Continue your plan
Useful next calculations
Rates & sources2026
SARS 2027 year of assessment (1 March 2026–28 February 2027) individual tax table, primary rebate and medical scheme fees tax credits.
| Band / figure | Rate |
|---|---|
| First band | 18% to R245,100 |
| Primary rebate | R17,820 |
| Main member MTC | R376 |
| Additional dependant MTC | R254 |
Source: SARS — rates of tax for individuals — source checked for 2026.
When to use this calculator
- Before accepting a pay change, bonus or contribution arrangement.
- When you want a simple take-home or conversion estimate before payroll or filing.
- When you need to convert between hourly, monthly and annual pay.
- When you want to compare two pay scenarios using the same assumptions.
A realistic South Africa planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Annual Taxable Income (R) | R400,000 |
| Age Group | Under 65 |
| Medical Aid Members (incl. yourself) | 1 |
| Retirement Fund Contributions (R/yr) | R250 per month |
After entering these figures, review income tax, uif and medical tax credit together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Income Tax
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
UIF
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Medical Tax Credit
Review this figure alongside gross income and the local tax rules that apply to you. It is a planning estimate, not a filing result.
Total Deductions
The headline outcome of this calculation. It is most useful when read alongside the supporting metrics rather than in isolation.
Effective Rate
The effective rate lets you compare options on a like-for-like basis rather than being misled by different compounding periods or fee structures.
Annual Take-Home
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Monthly
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Common mistakes
- !Using an assumption that is not supported by a current local quote, bill, statement or official source.
- !Treating a generic estimate as a lender, provider, payroll or tax authority decision.
- !Mixing monthly and annual inputs without converting them consistently.
- !Testing only one scenario instead of checking how a cautious assumption changes the result.
What to do next
- Run a second scenario with a cautious assumption so you can see the downside clearly.
- Compare the result with the related calculators below before making a decision.
- Check current local rules, eligibility and provider terms before applying or committing money.
- Keep a record of the assumptions so you can update the estimate when a quote, bill or pay figure changes.