Retirement calculatorIncome tax calculator
What will your take-home pay be?
Estimate your income tax taking retirement fund contributions into account.
2026/2027 tax year01
Your details
Enter annual amounts before deductions.
Calculation workingsSee how taxable income and tax were calculated
- Allowable retirement fund contributions
- R 275 000
- Tax bracket lookup
- R 695 801 - R 887 000
- Marginal tax rate
- 39%
- Fixed tax amount
- R 185 215
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How this estimate works
The calculator deducts the allowable portion of your retirement fund contributions from gross salary, applies the relevant SARS income tax bracket and age-based rebate, and then deducts estimated PAYE, UIF and your full retirement contribution to show take-home pay. The selected tax year controls the tax table, rebates, thresholds and retirement contribution cap used.
Assumptions used
South African individual taxpayer- Tax year
- 2026/2027 For 1 March 2026 to 28 February 2027.
- Retirement deduction
- 27.5% Limited to the actual contribution, 27.5% of gross salary or R 430 000, whichever is lowest.
- Tax threshold at age 49
- R 99 000 Annual taxable-income threshold for the selected year and age.
- UIF
- 1% Employee contribution capped at R177.12 per month.
- Rebates
- Age based Primary rebate for everyone, plus secondary from age 65 and tertiary from age 75.
- Included income
- Salary only No bonuses, allowances, fringe benefits or other income are included.
- Tax credits
- Not included Medical scheme contributions, medical scheme fees tax credits, additional medical-expense credits and other deductions or credits are excluded.
Rates and rebates: SARS 2027 tax year. UIF ceiling: SARS UIF notice. Medical scheme fees tax credits: SARS medical tax credit rates.