Use gross monthly pay
Enter the salary before deductions. Confirm whether an offer shows basic pay, annual salary or cost to company before comparing it.
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2026/27 SARS estimate
SA take-home pay calculator
Estimate your monthly net pay from a gross monthly salary. It includes PAYE, UIF and your optional retirement and other payroll deductions.
Estimated monthly take-home pay
R 21 442
Gross salaryR 25 000
Estimated PAYE− R 3 381
Employee UIF− R 177
Retirement contribution− R 0
Other deductions− R 0
Estimate only. It excludes medical tax credits, taxable benefits, bonuses and employer-specific deductions. UIF is estimated at 1% up to the current R17 712 monthly ceiling. Based on SARS 2026/27 individual rates and rebates.
How to use this tool
Use the take-home pay calculator as practical guidance
This calculator estimates a monthly amount after PAYE, UIF and the deductions you enter. It is useful for comparing possible offers on a similar basis and for beginning a personal budget before you accept a role.
The estimate cannot know your full payroll position. Benefits, bonuses, medical tax credits, retirement fund rules, taxable allowances and employer-specific deductions can change the amount that reaches your account.
Add known deductions
Enter only a retirement percentage or other deduction you genuinely expect. Leave an unknown item at zero rather than guessing.
Compare the whole offer
Use the result as one factor alongside hours, transport, leave, benefits, contract terms and career development.
Important limits
- • This is an estimate, not tax, payroll or financial advice.
- • Tax tables and personal circumstances can change; confirm final deductions with the employer or a qualified adviser.
- • The calculator does not collect or need your identity number, banking information or employer login.
Why is take-home pay lower than the offer amount?
An offer normally states gross pay before statutory and agreed deductions. The payslip shows the final deductions that apply to you.
Can I use this to negotiate?
Use it to understand an offer, then discuss the published package and role terms professionally. It cannot determine what an employer must pay.