What actually reaches the bank?
Your salary in, and out comes PAYE, UIF, take-home pay, your effective rate and the tax on the next Rand you earn — on the SARS 2025/26 tables.
These are not your numbers. Thandi is our made-up example: 38, earning R38 000 a month before tax, no medical aid or RA deductions entered.
Income tax / PAYE
Executive summary for Thandi · SARS 2025/26 tables · under 65
R 30 604 reaches the bank.
Of Thandi’s R 38 000 salary, PAYE takes R 7 219 and UIF R 177 every month. Every extra R1 000 she earns is taxed at 31%.
R 86 632 income tax a yearPer month, on the 2025/26 tables after the primary rebate.
1% of salary, capped at R177.12 a month.
Before medical aid and retirement deductions.
Tax as a share of her gross salary.
Tax on the next Rand she earns.
Falls in the 31% bracket (R370 501 – R512 800).
What this means
- About R4 in every R5 she earns reaches her account — R 30 604 of R 38 000.
- A R1 000 raise is worth about R690 to her, because it is taxed at her 31% marginal rate.
- Medical aid credits and retirement contributions would lower PAYE — they are not in this example.
Where R 38 000 goes
Now do it with your numbers
One number. You land straight on your own tax summary — no sign-up, saved to our database (delete it any time from Account).
How we calculate it
- SARS 2025/26 individual tax tables, applied to your monthly salary × 12.
- Primary rebate of R17 235 for everyone, plus R9 444 from 65 and R3 145 from 75 - set your age in the sliders.
- UIF at 1% of salary, capped at R177.12 a month.
- Not included: medical scheme fees tax credits, retirement-fund deductions, bonuses and fringe benefits.
We calculate; we never name a financial product. This is an estimate, not tax advice. Your payslip and SARS assessment are the final word.