Your age makes a difference.
Annual income tax starts above these taxable income thresholds, before medical credits.
| Age at year-end | Threshold |
|---|---|
| Under 65 | R99,000 |
| 65–74 | R153,250 |
| 75 and older | R171,300 |
A CLEARER VIEW OF YOUR MONEY
Your income.
Your tax. Made clear.
A little less guesswork. A lot more clarity.
Understand your South African income tax in seconds.
2027 TAX YEAR1 Mar 2026 — 28 Feb 2027Based on published SARS rates
01 / YOUR DETAILS
Let’s start with your income.
THE NUMBERS, EXPLAINED
From gross income to income tax.
Follow your annual calculation, one step at a time.
ANNUAL CALCULATION ZAR
HOW YOUR INCOME IS TAXED PROGRESSIVE RATES
Each slice is taxed at its own rate. Your top rate does not apply to all your income.
Income sliceRateTax
A LITTLE TAX KNOW-HOW
Figures verified 12 Oct 2026The 2027 essentials.
Rebates reduce your tax.
Rebates are automatic in this estimate. The secondary and tertiary amounts add to the primary rebate.
| Primary · everyone | R17,820 |
|---|---|
| Secondary · age 65+ | + R9,765 |
| Tertiary · age 75+ | + R3,249 |
A deduction or a credit?
A retirement deduction reduces the income on which tax is calculated.
A medical scheme credit reduces the tax itself, after rebates. It cannot reduce tax below zero.
See them in your breakdownSee the full SARS 2027 tax table
| Taxable income | Tax before rebates |
|---|---|
| R1–R245,100 | 18% of taxable income |
| R245,101–R383,100 | R44,118 + 26% above R245,100 |
| R383,101–R530,200 | R79,998 + 31% above R383,100 |
| R530,201–R695,800 | R125,599 + 36% above R530,200 |
| R695,801–R887,000 | R185,215 + 39% above R695,800 |
| R887,001–R1,878,600 | R259,783 + 41% above R887,000 |
| R1,878,601 and above | R666,339 + 45% above R1,878,600 |
Displayed ranges follow SARS’s whole-rand table. The calculation applies each percentage continuously above its lower boundary, including cents.
Why might my payslip or SARS assessment differ?
This models a full tax year of regular taxable employment income. Monthly income is multiplied by 12 and an annual bonus is added once. Estimated monthly PAYE is annual income tax divided by 12, including any bonus and eligible medical credits averaged across the year.
Actual payroll can differ because of employment dates, variable pay, bonus timing, tax directives, payroll rounding and whether an employer recognises your deductions or credits. This is an annual liability estimate, not an exact payroll table lookup.
The after-tax figure includes taxable non-cash benefits if entered as income; it is not a cash salary or take-home estimate. UIF, medical premiums and retirement payments are not subtracted from that figure.
What is outside this calculator’s scope?
This is a salary-only estimate with the ordinary full-year age rebates. It excludes additional medical expense credits (including disability and age 65+ relief), retirement contribution carry-forwards, donations, travel allowances, interest exemptions, investment and business income, capital gains, foreign income and credits, retirement lump sums, severance and two-pot withdrawals.
Medical credits assume the stated beneficiaries are unchanged for the eligible months and that contributions are fully funded by you, including deemed employer payments. Split contributions or changing beneficiaries need a month-by-month calculation. Credits are non-refundable; unused medical credits cannot be carried forward.
It does not calculate a refund or balance owing because PAYE already paid is not entered. The retirement deduction is simplified to salary income; the full statutory rule also considers remuneration, taxable income and capital-gain exclusions. Any excess displayed needs confirmation on assessment.
Official sources & calculation notes
Verified against these official SARS publications on 12 October 2026. ClearTax is independent and is not affiliated with or endorsed by SARS.
- SARS · Individual tax rates, rebates & thresholds ↗
- SARS · Medical tax credit rates ↗
- SARS · Medical credit eligibility & non-refundable treatment ↗
- SARS · 2027 employer guide & retirement deductions ↗
- SARS · Budget 2026 FAQs ↗
- SARS · Official PAYE deduction tables ↗
Amounts are calculated at full precision and displayed to two decimals. Displayed rows may differ by a cent when added because of rounding. Annual tax is floored at zero after rebates and medical credits. No information is sent by this calculator, stored between visits or added to the URL.
Clarity for planning. An estimate for now.
Use your SARS assessment and payroll records for your final tax position.