PAYE Calculator South Africa 2025 (Step‑by‑Step Guide)

PAYE Calculator South Africa 2025 (Step-by-Step Guide) | Rateweb

1 Details

2 Income

3 Deductions

4 Results

Input period

Switch between monthly and annual inputs. Results are shown for both.

Tax year

The 2026 tax year uses the same brackets and rebates as 2025.

Age group

Dependants on medical aid (including you)

Used to calculate the monthly Medical Scheme Fees Tax Credit.

You, your spouse or your child has a disability

Your results

Monthly Net

Monthly PAYE

after rebates & MTC

Monthly UIF

1% up to R177.12 cap

Annual Taxable Income

after retirement cap

Effective Tax Rate

on taxable income

Annual PAYE (after MTC)

excludes AMTC

Annual Net

take‑home after PAYE & UIF

Est. Annual Tax after AMTC

if claimed at assessment

Employer cost (opt.)

UIF 1% + SDL 1%

How the calculator works

Tax is calculated on your annual taxable income using SARS brackets (unchanged for 2025/26), then annual rebates are deducted (primary, plus age‑based).
We subtract the Medical Scheme Fees Tax Credit (MTC) monthly from PAYE based on the number of medical aid members.
UIF is 1% of remuneration up to R177.12 per month (employee portion). Employer contributes a further 1%.
Retirement contributions (RA/Pension) are deductible up to 27.5% of remuneration, capped at R350,000 per year.
Optional: Include the Additional Medical Expenses Tax Credit (AMTC) in the annual estimate (applied on assessment, not monthly).

Tip: Press Tab to move between fields. Use the “Copy link” button to share a prefilled calculator.

FAQs

Does the calculator apply to 2025 and 2026? Yes. National Treasury announced no changes to personal tax brackets or rebates for the 2025/26 year. Medical credits remain R364 / R364 / R246 per member per month.

Is AMTC used by employers? Generally no. Employers apply MTC monthly. AMTC is usually claimed on your annual tax return (with exceptions for seniors and disability cases).

What counts as “remuneration” for UIF? Your salary and most taxable benefits, subject to the monthly ceiling.

Net monthly

William Dube

William Dube is a finance and economic news expert with over 10 years of experience in economic anaylsis, financial product assessment and market analysis. With a numerous certificates from prestigious universities including but not limited to Yale University and the University of Pennyslivenia. William specializes in providing insightful news developments in South Africa and commentary on investment strategies, risk management, and global economic trends.

You can contact him on william@rateweb.co.za

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PAYE Calculator South Africa 2025 (Step‑by‑Step Guide)

PAYE Calculator South Africa 2025 (Step‑by‑Step Guide)

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PAYE Calculator South Africa 2025 (Step‑by‑Step Guide)

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