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🇿🇦 South Africa Income Tax Calculator 2026/27
For the tax year running 1 March 2026 to 28 February 2027, South African income tax starts at 18% and climbs through six more brackets to 45% above R1,878,600. Almost everyone also gets the primary rebate, R17,820 a year, subtracted directly from the tax bill rather than from taxable income; that's what creates the effective tax-free threshold of R99,000. On top of income tax, UIF takes 1% of pay, capped at a R17,712 monthly earnings ceiling, so it tops out at R177.12 a month no matter how much you earn.
South Africa Income Tax Brackets
| Income band | Rate |
|---|---|
| R0 – R245,100 | 18.00% |
| R245,100 – R383,100 | 26.00% |
| R383,100 – R530,200 | 31.00% |
| R530,200 – R695,800 | 36.00% |
| R695,800 – R887,000 | 39.00% |
| R887,000 – R1,878,600 | 41.00% |
| R1,878,600 and above | 45.00% |
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| R150,000 | R139,320 | R11,610 |
| R350,000 | R294,303 | R24,525 |
| R600,000 | R464,968 | R38,747 |
| R1,000,000 | R709,582 | R59,132 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Frequently Asked Questions
Why is the tax-free threshold R99,000 and not a round number?
It falls out of the maths rather than being set directly: the first bracket is 18%, and the primary rebate is R17,820. R99,000 × 18% is almost exactly R17,820, so tax on income up to that point is fully cancelled by the rebate. Above it, you start paying a real tax bill.
What about the rebates for people over 65?
Those aren't included here. South Africa adds a secondary rebate (R9,765) at 65 and a tertiary rebate (R3,249) at 75, both stacking on top of the primary rebate. Since this calculator doesn't ask for age, it shows the under-65 figure only.
Is the medical scheme fees tax credit included?
No. That credit only applies if you contribute to a registered medical scheme, and the amount depends on how many dependants you have on the scheme, so it's not something a single gross-salary figure can capture.