SARS 2025/2026
South African Income Tax Calculator
Calculate your monthly take-home pay, effective rate, and see how RA contributions reduce your tax.
Your Income
Monthly or annual
MonthlyAnnual
Tax-deductible up to R350k/year
Main member + dependants
Enter your details and click Calculate
THE SYSTEM
How South African Income Tax Works
South Africa uses a progressive tax system. For 2025/2026, the lowest bracket is 18% on income up to R237,100, while the top rate is 45% on income above R1,817,000.
RA SAVINGS
How RA Contributions Reduce Tax
You can deduct up to 27.5% of taxable income (capped at R350,000/year). At a 36% marginal rate, R10,000/month saves R3,600/month in tax.
MEDICAL CREDITS
Medical Aid Deductions
R364/month for the main member and first dependant, plus R246 per additional dependant.
Income Tax Calculator FAQ
How is PAYE calculated?
PAYE is calculated by your employer based on annual tax tables. Your monthly salary is annualised, tax calculated, then divided back monthly.
Can I claim RA contributions against tax?
Yes. Up to 27.5% of the greater of your remuneration or taxable income, capped at R350,000/year.
What is the tax-free threshold?
R95,750 for under 65, R148,217 for 65-74, R165,689 for 75+.
How do medical tax credits work?
R364/month for main member and first dependant, R246/month per additional dependant.
Is this calculator accurate?
Yes, uses official SARS 2025/2026 tax tables, rebates, and thresholds.
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