Free South Africa Income Tax Calculator 2026 | SARS Tax

🇿🇦 South Africa PAYE Tax Calculator 2025/26

Annual Gross Salary (R)

Age Group

Pension/Provident Fund (%)

Medical Aid Members

Gross Salary

Take-Home Pay

Income Tax (PAYE)

UIF

Effective Rate

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💡 South Africa Tax Tips 2026

Maximize Retirement Fund Contributions

You can deduct up to 27.5% of taxable income (max R350,000 per year) for contributions to pension, provident, or retirement annuity funds. This directly reduces your taxable income at your marginal rate.

Medical Aid Tax Credits

Medical aid contributions give you a monthly tax credit: R364 for the main member, R364 for the first dependant, and R246 for each additional dependant. These reduce your tax bill directly.

Tax-Free Savings Account (TFSA)

You can contribute up to R36,000 per year to a Tax-Free Savings Account. All growth, dividends and withdrawals are completely tax-free — a powerful long-term savings tool.

South Africa Tax FAQs 2026

What is the income tax threshold in South Africa 2026?

For 2025/26 tax year, the tax threshold (below which no tax is paid) is R95,750 for individuals under 65, R148,217 for those 65-74, and R165,689 for those 75 and over.

What is UIF in South Africa?

UIF (Unemployment Insurance Fund) is 1% of your monthly gross salary, capped at a monthly salary of R17,712 (so maximum UIF is R177.12 per month). Your employer also contributes 1%.

What are the South Africa tax brackets for 2025/26?

SA has 7 tax brackets ranging from 18% on the first R237,100 of taxable income up to 45% on income above R1,817,000. Primary rebate of R17,235 applies to reduce tax for those under 65.

How much tax do I pay on R500,000 salary in South Africa?

On a R500,000 gross salary with standard deductions, you would pay approximately R120,000-R140,000 in income tax, leaving a take-home of around R340,000-R360,000 per year. Use the calculator above for your exact figure.