Take-home pay table 2026/27
What a monthly salary from R 5 000 to R 200 000 leaves after PAYE and UIF in the 2026/27 tax year.
Take-home pay by monthly salary
For someone under 65 with no medical aid and no pension or retirement annuity contributions, paid the same salary every month of the 2026/27 tax year.
| Gross salary a month | PAYE | UIF | Take-home pay | Tax + UIF share |
|---|---|---|---|---|
| R 5 000 | R 0,00 | R 50,00 | R 4 950,00 | 1.0% |
| R 7 500 | R 0,00 | R 75,00 | R 7 425,00 | 1.0% |
| R 8 250 | R 0,00 | R 82,50 | R 8 167,50 | 1.0% |
| R 10 000 | R 315,00 | R 100,00 | R 9 585,00 | 4.2% |
| R 12 500 | R 765,00 | R 125,00 | R 11 610,00 | 7.1% |
| R 15 000 | R 1 215,00 | R 150,00 | R 13 635,00 | 9.1% |
| R 17 500 | R 1 665,00 | R 175,00 | R 15 660,00 | 10.5% |
| R 20 000 | R 2 115,00 | R 177,12 | R 17 707,88 | 11.5% |
| R 25 000 | R 3 381,00 | R 177,12 | R 21 441,88 | 14.2% |
| R 30 000 | R 4 681,00 | R 177,12 | R 25 141,88 | 16.2% |
| R 35 000 | R 6 134,75 | R 177,12 | R 28 688,13 | 18.0% |
| R 40 000 | R 7 684,75 | R 177,12 | R 32 138,13 | 19.7% |
| R 45 000 | R 9 275,58 | R 177,12 | R 35 547,30 | 21.0% |
| R 50 000 | R 11 075,58 | R 177,12 | R 38 747,30 | 22.5% |
| R 60 000 | R 14 736,08 | R 177,12 | R 45 086,80 | 24.9% |
| R 75 000 | R 20 607,75 | R 177,12 | R 54 215,13 | 27.7% |
| R 100 000 | R 30 857,75 | R 177,12 | R 68 965,13 | 31.0% |
| R 125 000 | R 41 107,75 | R 177,12 | R 83 715,13 | 33.0% |
| R 150 000 | R 51 357,75 | R 177,12 | R 98 465,13 | 34.4% |
| R 200 000 | R 73 595,75 | R 177,12 | R 126 227,13 | 36.9% |
Below R 8 250 a month (R 99 000 a year) no income tax is due; only the 1% UIF contribution comes off. UIF stops rising at R 17 712 a month, so it is never more than R 177,12.
Older taxpayers pay less
The secondary rebate from age 65 and the tertiary rebate from age 75 add R 9 765 and R 3 249 a year to the primary rebate, so take-home pay rises at the same salary.
| Gross salary a month | Under 65 | 65 to 74 | 75 and older |
|---|---|---|---|
| R 15 000 | R 13 635 | R 14 449 | R 14 720 |
| R 25 000 | R 21 442 | R 22 256 | R 22 526 |
| R 40 000 | R 32 138 | R 32 952 | R 33 223 |
What changes your own figure
- Medical aid: each of the first two people covered earns a R 376 monthly tax credit, and each further dependant R 254.
- Retirement contributions: pension, provident and retirement annuity contributions are deducted before tax, up to 27.5% of income and R 430 000 a year.
- Bonuses and a 13th cheque: PAYE on the bonus month is higher, because your employer taxes the extra pay at your marginal rate.
- Other deductions: union fees, loans, medical aid premiums (the medical tax credit offsets part of these) and garnishee orders come off after tax and lower what lands in your account.
How the figures are worked out
Monthly salary × 12 gives the yearly income. SARS’s 2026/27 brackets give the tax, the rebate for your age comes off, and the result is divided by 12. UIF is 1% of pay up to R 17 712. Employers use SARS’s PAYE tables, which spread the same yearly tax over the year, so a payslip can differ by a few rand.
Frequently asked questions
How much tax do I pay on R 20 000 a month?
About R 2 115 a month in PAYE plus R 177,12 UIF, if you are under 65 and have no medical aid or retirement contributions. That leaves about R 17 708.
Is UIF taken off before or after tax?
Both are worked out on your gross pay. UIF is not tax-deductible, so it does not lower your PAYE.
Related
Take-Home Pay Calculator
Your own salary, age and medical aid members.
Open calculator →GUIDESouth African tax tables 2026/27
Every bracket, rebate and limit on one page.
Read guide →GUIDEHow to read your payslip
Every line on a South African payslip explained.
Read guide →Worked out with the 2026/27 brackets, rebates and thresholds from SARS: rates of tax for individuals and the UIF ceiling from SARS: Unemployment Insurance Fund. Same method as the take-home pay calculator on this site. Checked 18 October 2026. Estimates only, not tax advice.