Take-home pay calculator 2026/27

Enter your gross monthly salary and see what lands in your account after PAYE and UIF. Add your medical aid members and your pension or retirement annuity contribution for a closer match to your payslip.

It uses the SARS tax tables for the year from 1 March 2026 to 28 February 2027, with the primary rebate of R 17 820.

How it's calculated

Your monthly salary is turned into a yearly figure, the same way PAYE annualises your pay.
Your retirement contribution comes off first, up to 27,5% of your pay and R 430 000 a year.
Tax is worked out on the SARS brackets and reduced by your rebates: the primary rebate for everyone, plus the secondary rebate from 65 and the tertiary rebate from 75.
The medical scheme fees tax credit comes off the tax: R 376 a month for you, R 376 for the first dependant and R 254 for each one after that.
UIF is 1% of your pay, on a maximum of R 17 712 a month.

An example

On R30 000 a month, under 65 and without medical aid, PAYE is R4 681 and UIF is R177,12. Your take-home pay is R25 141,88 a month.

Frequently asked questions

Why is my payslip a little different?

Employers can use the SARS tax deduction tables or a payroll system that rounds differently, and bonuses or fringe benefits change the tax for the month. Over a full tax year the totals should be very close.

What is the medical tax credit?

It is a fixed amount a month that SARS takes off your tax for each person on your medical aid. It is a credit, so it lowers the tax itself, not your taxable income.

How much UIF do I pay?

You pay 1% of your pay and your employer adds the same. Pay above R 17 712 a month does not count, so the most you pay is 1% of that amount.

Does a retirement annuity lower my PAYE?

Yes, when your employer deducts it through payroll. If you pay it yourself, the deduction comes through when you file your tax return. Contributions are deductible up to 27,5% of your remuneration or taxable income, whichever is higher, with a yearly cap of R 430 000.

Key terms

PAYE: Pay As You Earn. The income tax your employer takes from your salary and pays to SARS each month.
UIF: Unemployment Insurance Fund. A contribution from you and your employer that pays benefits if you lose your job or go on maternity leave.
Tax year: Runs from 1 March to the end of February. SARS calls 1 March 2026 to 28 February 2027 the 2027 year of assessment.