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Income tax and take-home pay
Enter your pay before tax. We work out the year's income tax the way SARS does, then split it into what your employer takes off each pay day.
Take-home pay a monthR25,142PAYE R4,681 a month · 15.6% of taxable income
- Pay for the yearR360,000
- Taxable incomeR360,000
- Income tax for the yearR56,172
- PAYE a monthR4,681.00
- UIF a month (1%)R177.12
- Take-home a monthR25,141.88
- Marginal rate (tax on your next rand)26%
How it works, with your numbers
- Pay of R30,000 a month × 12 = R360,000 for the year.
- Taxable income: R360,000.
- Taxable income of R360,000 falls in the bracket R245,101 to R383,100: R44,118 plus 26% of the amount over R245,100. That gives R73,992 before rebates.
- Less the rebate: R17,820 (the primary rebate everyone gets).
- Tax for the year: R56,172.
- PAYE spreads that over the year: R56,172 ÷ 12 = R4,681.00 a month.
- UIF is 1% of pay up to R17,712 a month: R177.12. Your employer pays the same again.
- Take-home: R30,000 − R4,681.00 PAYE − R177.12 UIF = R25,141.88.
Good to know
- Payslips can differ by a few rand: employers round, and some spread the medical credit or benefits differently.
OneFile Money tracks your medical aid, RA and work costs all year, so you see your real tax position, not just PAYE.
Try it freeUses SARS rates for the 2027 tax year. For illustration only. This is a guideline to help you plan, not tax advice: a registered tax practitioner must review and approve the final figures before you file.