Pay & Employment
Take-Home Pay Calculator
Net monthly salary after PAYE and the 1% UIF contribution for 2026/27, by age and medical scheme membership.
Result
Updates as you typeTake-home pay per month (2026/27)
R 25 141,88
- Gross pay per month
- R 30 000
- PAYE
- − R 4 681
- UIF (1%)
- − R 177,12
- Take-home pay per year
- R 301 702,56
- Income tax per year
- R 56 172
- Employer UIF (not paid to you)
- R 177,12
How it's calculated
Two statutory deductions come off a salary: PAYE, the income tax the employer withholds as one-twelfth of the tax on your annualised pay, and UIF, 1% of pay up to R 17 712 a month (at most R 177,12). The employer matches the UIF contribution but that never reaches your account.
Worked example
R 30 000 a month, under 65, no medical scheme, 2026/27:
- Tax on R 360 000: R 56 172 a year → PAYE R 4 681 a month
- UIF: 1% of R 17 712 (ceiling) = R 177,12
- Take-home: R 30 000 − R 4 681 − R 177,12 = R 25 141,88
Take-home pay table
| Gross per month | PAYE | UIF | Take-home pay | Per year |
|---|---|---|---|---|
| Gross per month: R 10 000 | PAYER 315 | UIFR 100 | Take-home payR 9 585 | Per yearR 115 020 |
| Gross per month: R 15 000 | PAYER 1 215 | UIFR 150 | Take-home payR 13 635 | Per yearR 163 620 |
| Gross per month: R 20 000 | PAYER 2 115 | UIFR 177,12 | Take-home payR 17 707,88 | Per yearR 212 494,56 |
| Gross per month: R 30 000 | PAYER 4 681 | UIFR 177,12 | Take-home payR 25 141,88 | Per yearR 301 702,56 |
| Gross per month: R 40 000 | PAYER 7 684,75 | UIFR 177,12 | Take-home payR 32 138,13 | Per yearR 385 657,56 |
| Gross per month: R 50 000 | PAYER 11 075,58 | UIFR 177,12 | Take-home payR 38 747,30 | Per yearR 464 967,60 |
| Gross per month: R 75 000 | PAYER 20 607,75 | UIFR 177,12 | Take-home payR 54 215,13 | Per yearR 650 581,56 |
| Gross per month: R 100 000 | PAYER 30 857,75 | UIFR 177,12 | Take-home payR 68 965,13 | Per yearR 827 581,56 |
Frequently asked questions
What is the take-home pay on R 30 000 a month?
For 2026/27, a person under 65 earning R 30 000 a month pays R 4 681 PAYE and R 177,12 UIF, leaving R 25 141,88. Over the year that is R 56 172 tax on R 360 000.
What is deducted from a South African salary?
PAYE (income tax your employer withholds each month, based on the annual equivalent of your pay) and UIF (1% of pay up to R 17 712 a month, so at most R 177,12, matched by the employer). Pension or provident fund contributions, medical aid premiums and garnishee orders depend on your employer and are not included.
How is PAYE calculated?
The employer annualises your pay, works out the year's tax with the SARS brackets, rebates and medical credits, and deducts one-twelfth each month. Bonuses and irregular income are taxed in the month they are paid on the same annual basis, which can make that month's PAYE higher.
What is the UIF ceiling?
UIF is calculated on remuneration up to R 17 712 a month (R 212 544 a year), a ceiling in force since 1 June 2021. Above it the contribution stays at R 177,12 for you and R 177,12 for your employer.
Why does my payslip differ?
Retirement fund contributions reduce taxable income (up to 27,5% of remuneration), travel and other allowances are partly taxed, and SARS's monthly tables round per period. Enter your gross pay before those deductions and treat the result as a floor-to-ceiling estimate.
Sources
- SARS — Rates of tax for individuals, 2027 tax year (1 March 2026 – 28 February 2027): brackets, rebates and thresholds
- SARS — Employers' tax deduction tables, 2027 tax year (weekly, fortnightly, monthly, annual)
- SARS — Unemployment Insurance Fund contributions: 1% employee + 1% employer, ceiling R17 712 per month from 1 June 2021
Annual equivalent method for a single regular salary; retirement contributions, allowances, bonuses and employer deductions are not modelled. Results are for guidance only.
2026/27 tax year · Updated: