Income Tax Calculator South Africa
Estimate your PAYE and take-home pay using SARS tax brackets.
Income Tax Calculator South Africa
SARS rates for tax year 2026/2027. Excludes UIF, medical credits, and deductions.
Your estimate
Estimated annual tax
R 132 907
Monthly tax (PAYE estimate)
R 11 076
Estimated take-home pay
Per month after tax
R 38 924
Effective tax rate
22.2%
Marginal tax rate
36.0%
Tax rebates applied
R 17 820
How South African income tax works
Individual income tax in South Africa is progressive — higher earners pay a higher marginal rate on income above each bracket threshold. The tax year runs from 1 March to 28/29 February.
PAYE is deducted monthly by employers based on your salary and tax code. At year-end, you may owe more or receive a refund after filing your ITR12 return with all deductions and credits.
Tax rebates and medical credits reduce your liability. Use this calculator for estimates — consult a tax practitioner for complex situations.
Frequently asked questions
What is the difference between marginal and effective tax rate?+
Marginal rate is tax on your last rand of income. Effective rate is total tax divided by total income — always lower than marginal due to progressive brackets.
Are retirement annuity contributions tax deductible?+
Yes, up to 27.5% of remuneration or taxable income (capped at R350 000 per year), reducing your taxable income.
When do I need to file a tax return?+
Most salaried employees must file if they earn above the filing threshold or have additional income. SARS sets deadlines each year — typically September to January.
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