South African Income Tax Calculator
Calculate your monthly take-home pay, effective rate, and see how RA contributions reduce your tax.
Income Tax Calculator
SARS 2025/26 — estimate your take-home pay
Annual
Tax-deductible up to R350k/year
Main member + dependants
R0
after PAYE, UIF and medical credits
Illustration only — not financial or tax advice.
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Privacy Notice & Terms of Use
Summary — read full notice
GH Opco (Pty) Ltd t/a Aregre is the responsible party for your personal information under POPIA.
What we collect
Your name, SA ID number, email, mobile, address and the figures you enter into the calculator.
Why we collect it
- To run your calculation and show your result.
- To create and manage your Aregre account.
- To respond to enquiries and tell you about services you request.
- Where you request it, to obtain data from Astute / ADEX.
Sharing with Astute
Where you request it, we may send your details to The Financial Services Exchange (Pty) Ltd t/a Astute to obtain verified personal details, portfolio data, employee-benefit data, medical aid information (AMAS) and risk flags.
Your rights
Access, correct or delete your information by emailing greghallpersonal@gmail.com or complain to the Information Regulator at inforeg@inforegulator.org.za.
Disclaimer
The calculators are for general illustration only and do not constitute financial, tax or legal advice.
Read the complete Privacy Notice & Terms of Use on our website.
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.
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 Aid Deductions
R364/month for the main member and first dependant, plus R246 per additional dependant.
Income Tax Calculator FAQ
How is PAYE calculated?
Can I claim RA contributions against tax?
What is the tax-free threshold?
How do medical tax credits work?
Is this calculator accurate?
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