Useful next calculations
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 worked example
These are the example figures the calculator opens with.
| Input | Value |
|---|---|
| Estimated Annual Taxable Income (R) | 800 000 |
| Age Group | Under 65 |
| PAYE Already Deducted (R) | 0 |
| First Provisional Payment Already Made (R) | 0 |
For those figures the calculator returns:
- Estimated annual tax: R208 033,00
- Tax after PAYE: R208 033,00
- First provisional payment (Aug): R104 016,50
- Second provisional payment (Feb): R208 033,00
- Total provisional tax: R208 033,00
How to read your results
Estimated Annual 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.
Tax After PAYE
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 Provisional 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.
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.
Questions people ask
Any individual who earns income not subject to PAYE — such as rental income, freelance earnings, business profits, or investment returns — must register as a provisional taxpayer with SARS. Employees whose sole income is a salary are generally exempt, but those with taxable non-employment income exceeding R30,000 per year are required to submit IRP6 returns and make provisional payments twice a year.