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See your exact take-home pay after SARS income tax, UIF and rebates. Updated for 2026/27 SARS brackets — no email signup required.
✓ Last verified July 2026 — SARS Budget Tax Guide 2026 (1 March 2026)On a salary of R30,000/month in South Africa in 2026/27, your estimated take-home pay is approximately R25,142/month after PAYE tax of R56,502/year and UIF of R177/month. The tax-free threshold is R99,000/year (R8,250/month). SARS raised all brackets by 3.4% from 1 March 2026. Source: SARS Budget Tax Guide 2026.
| Taxable Income (R) | Rate | Tax Formula |
|---|---|---|
| R0 – R245,100 | 18% | 18% of taxable income |
| R245,101 – R383,100 | 26% | R44,118 + 26% above R245,100 |
| R383,101 – R530,200 | 31% | R79,998 + 31% above R383,100 |
| R530,201 – R695,800 | 36% | R125,599 + 36% above R530,200 |
| R695,801 – R887,000 | 39% | R185,215 + 39% above R695,800 |
| R887,001 – R1,878,600 | 41% | R259,783 + 41% above R887,000 |
| Above R1,878,600 | 45% | R666,339 + 45% above R1,878,600 |
Effective from 1 March 2026. Primary rebate R17,820 deducted from tax. Source: SARS Budget Tax Guide 2026, National Treasury.
| Monthly Salary | Annual PAYE | UIF/Month | Take-Home/Month | Effective Rate |
|---|---|---|---|---|
| R8,000 | R0 | R80 | R7,920 | 1.0% |
| R10,000 | R1,530 | R100 | R9,773 | 2.3% |
| R15,000 | R12,330 | R150 | R13,328 | 11.2% |
| R20,000 | R25,326 | R177 | R17,629 | 11.9% |
| R30,000 | R56,502 | R177 | R25,142 | 15.7% |
| R45,000 | R111,312 | R177 | R35,547 | 20.6% |
| R50,000 | R132,912 | R177 | R38,747 | 22.2% |
| R80,000 | R267,624 | R177 | R57,661 | 27.9% |
Under 65, no medical aid, no RA contributions. Source: SARS 2026/27 tax tables.
Contribute up to 27.5% of income (capped at R430,000/year) to a pension fund or RA — all tax deductible. On a R50,000 monthly salary, an R5,000/month RA contribution saves approximately R2,000/month in PAYE tax at the 39% marginal rate.
Medical aid membership gives you a R376/month tax credit per member and dependant — directly reducing your PAYE bill. A family of 4 on medical aid saves R18,048/year in tax credits (R376 x 4 x 12).
If you work from home, you may be able to claim a proportion of home expenses (rent, rates, utilities) as a tax deduction via your ITR12. Keep all receipts and a usage log throughout the tax year.
Invest up to R36,000 per year (R500,000 lifetime limit) in a TFSA — all returns (interest, dividends, capital gains) are completely tax-free. Unlike an RA, withdrawals are flexible and penalty-free.
SARS imposes administrative penalties for late returns. File by the October deadline (non-provisional taxpayers) to avoid penalties and ensure any refund is processed promptly. Register on SARS eFiling at efiling.sars.gov.za.
Disclaimer: This calculator provides estimates for educational purposes only. Always verify at sars.gov.za or consult a registered tax practitioner. Last verified July 2026 — SARS Budget Tax Guide 2026.