Your salary details
SARS 2025/26 tax year — effective 1 March 2025
R
Each member earns a monthly SARS tax credit: R364 for main member, R246 per dependant
R
RA contributions reduce your taxable income — up to 27.5% of income or R350,000/year
R
R
80% of travel allowance is subject to PAYE unless you keep a logbook
💡 Reduce your tax legally Contributing R2,000/month to an RA reduces your monthly PAYE by approximately R480–R900 depending on your income bracket. Use our RA Tax Saving Calculator to find your optimal contribution.
Your monthly breakdown
Based on SARS 2025/26 tables
Gross salaryR 0
RA deductionR 0
Other deductionsR 0
Taxable income (monthly)R 0
PAYE before creditsR 0
Primary rebate (÷12)R 0
Medical aid tax creditR 0
PAYE payableR 0
UIF (employee 1%)R 0
Net take-home pay
R 0
Effective tax rate0%
Marginal tax rate0%
Monthly income split
Annual summary — 2025/26 tax year
Annual gross
R 0
Annual PAYE
R 0
Annual UIF
R 0
Annual take-home
R 0
Your position in the SARS 2025/26 tax brackets
| Taxable income | Tax on lower | Rate on excess | Your bracket |
|---|
Common questions
How is PAYE calculated in South Africa?
SARS uses a sliding scale (progressive tax system) where higher income is taxed at higher rates. The calculation is: (1) annualise your monthly salary, (2) look up your tax bracket and calculate annual tax, (3) subtract your primary rebate (R17,235 for under 65s in 2025/26), (4) subtract medical aid tax credits, (5) divide by 12 for your monthly PAYE. See our PAYE Calculator for a detailed breakdown.
What is the tax-free threshold in South Africa for 2025/26?
If your annual income is below the tax threshold, you pay zero income tax. The 2025/26 thresholds are: R95,750 (under 65), R148,217 (age 65–74), R165,689 (age 75+). These thresholds are derived from the primary, secondary and tertiary rebates respectively.
What is UIF and how much do I pay?
UIF (Unemployment Insurance Fund) is a safety net for workers who lose their jobs, go on maternity leave, or become ill. Both you and your employer each contribute 1% of your salary monthly. The contribution is capped at a maximum annual salary of R17,712 — so the maximum monthly UIF contribution is R177.12 from each party. UIF does not apply to independent contractors.
How do medical aid tax credits work?
Medical aid tax credits (MTC) reduce your PAYE directly — they are not a deduction from income but a rand-for-rand reduction in tax. For 2025/26: R364/month for the main member, R246/month for each additional dependant. So a family of four on medical aid gets R364 + 3×R246 = R1,102/month off their PAYE. The credit applies regardless of how much the medical aid actually costs.