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Salary After Tax Calculator 2026/27

Q: How much tax will I pay on R30,000 per month in 2026/27?

R30,000 a month is R360,000 a year. Annual tax before rebates is R74,952, less the R17,820 primary rebate leaves R57,132 PAYE. Add UIF of R177.12 and your monthly net (before medical, RA or pension contributions) is around R25,062.

Q: What's the tax threshold for 2026/27?

For taxpayers under 65, you pay no income tax up to R99 000 per year. From 65 it rises to R153 250, and from 75 to R171 300.

Q: How does the retirement contribution deduction work?

You can deduct up to 27.5% of your remuneration as retirement contributions (pension fund, provident fund or retirement annuity), capped at R350,000 a year. The calculator applies this automatically once you enter your monthly contribution.

Q: How does the medical aid tax credit work?

For 2026/27, you get a tax credit of R364 per month each for the first two members on the scheme (you and one dependant), and R246 per month for each additional dependant. Enter the number of members in the calculator to apply.

Q: Does this calculator handle a 13th cheque or bonus?

No — bonus payments are typically taxed at the marginal rate of your annualised income. Enter your full annual package (12 months + bonus) using the annual mode to see the impact, or use SARS's eFiling for a precise once-off calculation.

Q: Is UIF capped?

Yes. UIF is 1% of your remuneration, but only up to a ceiling of R17 712 per month — so the maximum UIF you can pay is R177,12 per month. Your employer pays a matching 1%.

Work out your real South African take-home pay. PAYE, UIF, medical scheme credit and retirement deductions, all on the 2026/27 SARS tax tables effective 1 March 2026.

Updated 11 May 2026 • By Sipho Dlamini • Fact-checked

PAYE Calculator

2027 tax year · from 1 March 2026

Show as

Gross monthly salary R35 000

Age band

Medical aid (self + spouse)

Additional dependants

Monthly RA / pension contribution

Deductible up to 27.5% of remuneration, capped R350k/year. RA cap for you: R115 500/year.

Monthly take-home

R28 688 /mo

Gross / month

R35 000

PAYE / month

R6 135

UIF / month

R177,12

RA contribution

Effective tax rate

17.5%

Marginal bracket

31%

Annual: R420 000 gross · R344 258 net.

Based on the SARS 2027 tax-year brackets, primary rebate R17 820, age-related rebates and the medical-scheme tax credit (M1 R364 / M2+ R246 per month). UIF capped at the R17,712 monthly ceiling.

SARS tax brackets 2026/27

Taxable income	Marginal rate	Tax at the top of the bracket
R0 – R245 100	18%	R44 118
R245 101 – R383 100	26%	R79 998
R383 101 – R530 200	31%	R125 599
R530 201 – R695 800	36%	R185 215
R695 801 – R887 000	39%	R259 783
R887 001 – R1 878 600	41%	R666 349
R1 878 601 +	45%	—

Effective 1 March 2026 – 28 February 2027. Source: SARS published rates of tax for individuals.

Rebates and thresholds (2026/27)

Primary rebate

R17 820

All taxpayers

Secondary (65+)

R9 765

In addition to primary

Tertiary (75+)

R3 249

In addition to primary + secondary

Threshold (<65)

R99 000

Threshold (65–74)

R153 250

Threshold (75+)

R171 300

Frequently asked questions

How much tax will I pay on R30,000 per month in 2026/27?+

R30,000 a month is R360,000 a year. Annual tax before rebates is R74,952, less the R17,820 primary rebate leaves R57,132 PAYE. Add UIF of R177.12 and your monthly net (before medical, RA or pension contributions) is around R25,062.

What's the tax threshold for 2026/27?+

For taxpayers under 65, you pay no income tax up to R99 000 per year. From 65 it rises to R153 250, and from 75 to R171 300.

How does the retirement contribution deduction work?+

You can deduct up to 27.5% of your remuneration as retirement contributions (pension fund, provident fund or retirement annuity), capped at R350,000 a year. The calculator applies this automatically once you enter your monthly contribution.

How does the medical aid tax credit work?+

For 2026/27, you get a tax credit of R364 per month each for the first two members on the scheme (you and one dependant), and R246 per month for each additional dependant. Enter the number of members in the calculator to apply.

Does this calculator handle a 13th cheque or bonus?+

No — bonus payments are typically taxed at the marginal rate of your annualised income. Enter your full annual package (12 months + bonus) using the annual mode to see the impact, or use SARS's eFiling for a precise once-off calculation.

Is UIF capped?+

Yes. UIF is 1% of your remuneration, but only up to a ceiling of R17 712 per month — so the maximum UIF you can pay is R177,12 per month. Your employer pays a matching 1%.

Sources

· SARS Rates of Tax for Individuals — 2027 tax year (1 March 2026 – 28 February 2027).
· SARS PAYE-GEN-01-G01-A03 Monthly Tax Deduction Tables (2027 tax year).
· Budget 2026 Tax Pocket Guide, National Treasury.
· Income Tax Act, section 6 (rebates) and section 11F (retirement deduction).

For a binding tax position consult SARS or a registered tax practitioner. This calculator is for estimation only.

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