Salary Calculator South Africa
Calculate your net monthly take-home pay after PAYE tax, UIF, and pension contributions. See exactly how every deduction is calculated for the 2025/2026 tax year.
Quick Calculator Get a fast estimate
R
%
Employer typically matches this. Employee portion is tax-deductible.
Net Monthly Take-Home
R 27 086
Monthly PAYE
R 5 112
UIF Contribution (1%)
R 177
Pension Contribution
R 2 625
Total Deductions
R 7 914
Annual Take-Home
R 325 036
Effective PAYE Rate
14.60%
Taxable Income (Annual)
R 388 500
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How to Use the Salary Calculator
- Monthly Gross Salary: Enter your full salary before any deductions.
- Age Group: Select your bracket. Over-65 employees pay less PAYE due to higher rebates.
- Medical Aid Dependants: Select how many people are on your medical aid to apply the correct monthly tax credits.
- Pension / Provident Fund %: Enter your contribution percentage. This is deducted pre-tax, reducing your PAYE.
- Results show PAYE, UIF, pension deduction, total deductions, net pay, and effective tax rate.
The Extended Calculator below adds monthly/annual/hourly views and a CTC breakdown chart. The Professional Calculator includes a full payslip with all deductions including group life, income protection, and bargaining council.
Need more detail?
Extended Calculator More options, charts, and scenario comparison
R
%
R
Monthly Net Take-Home
R 23 593
Monthly CTC
R 40 000
PAYE
R 4 452
Pension (Employee)
R 4 000
Medical Aid
R 3 200
CTC Breakdown
Net PayR 23 593
PAYER 4 452
PensionR 4 000
Medical AidR 3 200
UIFR 177
Net Salary Formula
Net Salary = Gross Salary − PAYE − UIF − Pension Contribution
- PAYE: Calculated on (Annual Gross − Annual Pension Deduction), then divided by 12
- UIF: 1% of monthly salary, capped at R177.12/month
- Pension: Your chosen percentage of gross salary (pre-tax deduction)
Worked Example — R35,000/month
Employee: Age 30, Gross R35,000/month, Pension 7.5%, Medical aid (main member only).
- Annual gross: R35,000 × 12 = R420,000
- Annual pension: R35,000 × 7.5% × 12 = R31,500
- Taxable income: R420,000 − R31,500 = R388,500
- Annual PAYE (after rebates and credits): ≈ R56,971
- Monthly PAYE: R56,971 ÷ 12 = R4,748
- UIF: R177.12 (capped)
- Monthly pension: R2,625
- Net take-home: R35,000 − R4,748 − R177 − R2,625 = R27,450/month
Need full precision?
Professional Calculator Complete parameters, sensitivity analysis, and detailed breakdown
Employment Package
R
R
Retirement Contributions (% of CTC)
%
%
%
Other Deductions (% of CTC)
%
%
R
Monthly flat contribution
Monthly Net Take-Home
R 32 790
Monthly PAYE
R 6 655
Effective Tax Rate
15.02%
Total Deductions
R 17 210
Annual CTC
R 600 000
Detailed Monthly Payslip
| Item | Type | Amount |
|---|---|---|
| Gross Salary | Earnings | R 44 323 |
| PAYE | Statutory | - R 6 655 |
| UIF (1%) | Statutory | - R 177 |
| Pension / Provident / RA | Voluntary | - R 5 000 |
| Medical Aid | Benefit | - R 4 200 |
| Group Life Insurance | Benefit | - R 250 |
| Income Protection | Benefit | - R 250 |
| NET PAY | R 32 790 | |
| Employer: UIF (1%) | Employer | + R 177 |
| Employer: SDL (1%) | Employer | + R 500 |
Year-over-Year Salary Comparison
R
R
R
| Scenario | CTC/mo | Tax/mo | Net/mo | Eff. Rate |
|---|---|---|---|---|
| Current Year | R 50 000 | R 6 655 | R 32 790 | 15.0% |
| After 10% Raise | R 55 000 | R 7 907 | R 35 939 | 16.2% |
| After 20% Raise | R 60 000 | R 9 329 | R 38 917 | 17.5% |
Frequently Asked Questions
The main deductions are PAYE (income tax), UIF (1%, max R177.12/month), and pension/provident fund contributions. Medical aid premiums may also be deducted but are not statutory.
Pension contributions reduce your taxable income before PAYE is calculated. The deduction is limited to 27.5% of remuneration, up to R350,000/year.
Gross salary is your total earnings before deductions. Net salary is what you actually receive after PAYE, UIF, pension, and any other deductions.
Medical aid premiums are deducted from gross salary. You receive a Medical Aid Tax Credit (MTC) applied against your PAYE, giving partial tax relief.