Free tool · SA tax 2026/27
South Africa income tax calculator 2026/27
Calculate your SARS income tax, rebates, UIF and take-home pay for the 2026/27 tax year, including retirement contributions.
Your income
Deductible up to 27.5% of income (max R430,000 a year). UIF is deducted automatically.
Your take-home pay
R 30,413 / month
- Take-home payR 364,958
- Income taxR 82,917
- UIFR 2,125
- Gross salary
- R 450,000
- Taxable income
- R 450,000
- Income tax
- R 82,917
- Other deductions
- R 2,125
- Effective rate (all deductions)
- 18.9%
- Marginal rate on next unit earned
- 31%
Reliefs applied: Tax rebates R 17,820
| Taxable income band | Rate | Tax |
|---|---|---|
| R 0 – R 245,100 | 18% | R 44,118 |
| R 245,100 – R 383,100 | 26% | R 35,880 |
| R 383,100 – R 450,000 | 31% | R 20,739 |
Estimates for employees using standard rates only. They don't include tax codes, benefits in kind, student loans, other income or personal circumstances, and aren't financial or tax advice. Check with the tax authority or an adviser before making decisions.
How it works
How South African income tax is calculated
Contributions to a pension, provident fund or retirement annuity are deductible up to 27.5% of your income, capped at R430,000 a year. They come off your income before tax is worked out.
Taxable income is then taxed using the 2026/27 brackets, from 18% up to 45% on income above R1,878,600. Everyone gets a primary rebate of R17,820; people aged 65 and over get a further R9,765, and those 75 and over another R3,249.
UIF is charged at 1% of pay, capped at R177.12 a month. Below the tax threshold (R99,000 for under-65s), you pay no income tax at all.
Sources
Rates checked October 2026 against the Budget 2026 tax guide (tax year 1 March 2026 to 28 February 2027).
Private by design
Every calculation runs in your browser. Nothing you type is sent to us or stored.
FAQ
Common questions
What are the SARS tax brackets for 2026/27?
18% up to R245,100; R44,118 + 26% up to R383,100; R79,998 + 31% up to R530,200; R125,599 + 36% up to R695,800; R185,215 + 39% up to R887,000; R259,783 + 41% up to R1,878,600; and R666,339 + 45% above that.
What is the tax threshold in South Africa for 2026/27?
You pay no income tax if your taxable income is below R99,000 (under 65), R153,250 (65 to 74) or R171,300 (75 and over).
How much is UIF?
Employees contribute 1% of their remuneration to the Unemployment Insurance Fund, capped at R177.12 a month. Employers contribute the same amount.
Are retirement annuity contributions tax-deductible?
Yes. Contributions to pension, provident and retirement annuity funds are deductible up to 27.5% of your remuneration or taxable income, with an annual cap of R430,000 from the 2027 tax year.
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