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Salary calculator: take-home pay, 2026/27
Take-home pay from a gross monthly salary, on SARS's 2026/27 tax tables (1 March 2026 to 28 February 2027): PAYE after the rebates and medical aid tax credits, UIF, retirement fund and medical aid deductions, and what the employee costs the employer.
How it is worked out
- Remuneration. Salary plus the employer's retirement and medical aid contributions, which are taxable fringe benefits. A cost-to-company package already contains them.
- Retirement deduction. Employee and employer retirement contributions, up to 27,5% of remuneration and R 430 000 a year.
- Tax for the year. The tax table on taxable income, less the rebate for the employee's age, less the medical scheme fees tax credits (R 376 a month for the main member, R 376 for the first dependant, R 254 for each further dependant). PAYE is a twelfth of it.
- UIF. 1% from the employee and 1% from the employer, on pay up to R 17 712 a month.
- SDL. 1% of remuneration, paid by the employer when the annual payroll is over R 500 000.
- Gross-up. Net to gross finds the smallest gross salary, to the cent, whose take-home pay reaches the amount wanted. A bonus is taxed as SARS taxes an annual payment: the tax on the year's income with the bonus, less the tax without it; the bonus gross-up finds the gross bonus that leaves the amount wanted after that tax.
Tax tables 2026/27
Individuals, 1 March 2026 to 28 February 2027 (SARS).
| Taxable income | Tax |
|---|---|
| R 1 to R 245 100 | 18% of taxable income |
| R 245 101 to R 383 100 | R 44 118 + 26% of taxable income above R 245 100 |
| R 383 101 to R 530 200 | R 79 998 + 31% of taxable income above R 383 100 |
| R 530 201 to R 695 800 | R 125 599 + 36% of taxable income above R 530 200 |
| R 695 801 to R 887 000 | R 185 215 + 39% of taxable income above R 695 800 |
| R 887 001 to R 1 878 600 | R 259 783 + 41% of taxable income above R 887 000 |
| R 1 878 601 and above | R 666 339 + 45% of taxable income above R 1 878 600 |
| Rebates | Primary R 17 820; secondary (65 and older) R 9 765; tertiary (75 and older) R 3 249 |
|---|---|
| Tax threshold | Under 65: R 99 000; 65 to 74: R 153 250; 75 and older: R 171 300 |
| Medical tax credits | R 376 main member, R 376 first dependant, R 254 each further dependant, a month |
| Retirement deduction | 27,5% of the greater of remuneration and taxable income, up to R 430 000 a year |
| UIF | 1% employee and 1% employer, on up to R 17 712 a month |
| SDL | 1% of remuneration; employers with payroll over R 500 000 a year |
Calculators
- Salary calculator: gross to net
- Gross-up calculator: net to gross, and bonus gross-up
- Cost to company calculator
The calculation is the payroll engine in RemCycle, which works out take-home pay and employer cost for every person in a salary review or bonus cycle.