SARS Tax & Take-Home Calculator
Calculate monthly take-home pay, medical tax credits, and RA tax relief for the 2026/2027 tax year
Plan for a stress-free retirement and cut your tax in half!
South African taxpayers can deduct up to 27.5% of their taxable income by investing in a Retirement Annuity. Check out local RA providers to secure your tax back.
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SARS Personal Income Tax FAQ (2026/2027 Tax Year)
What are the tax thresholds for the 2026/2027 tax year in SA?
The tax-free threshold is the minimum amount of income you can earn before you are liable to pay income tax. For individual taxpayers under 65, the tax threshold is R99,000 per year. For individuals aged 65 to 74, it is R153,250, and for individuals 75 and older, the threshold is R171,300.
How do Medical Scheme Fees Tax Credits work?
The Medical Scheme Fees Tax Credit is a direct, non-refundable reduction in your PAYE tax bill (it is not a deduction from taxable income). For the 2026/2027 tax year, the credit is R376 per month for the main scheme member, **R376 per month** for the first dependent, and **R254 per month** for each additional dependent.
How much can I deduct for Retirement Annuity contributions?
You can deduct contributions made to a registered Retirement Annuity (RA), Pension, or Provident fund up to a maximum limit of 27.5% of your taxable income (or gross remuneration, whichever is higher). This total deduction is strictly capped at a maximum of **R350,000 per year**.
What is the maximum UIF contribution for employees?
The Unemployment Insurance Fund (UIF) contribution is calculated as 1% of your gross earnings. However, this contribution is capped at a maximum gross earnings limit of R17,712 per month. Therefore, the absolute maximum UIF deduction for any employee is capped at R177.12 per month (R2,125.44 annually).