What tax year does this calculator cover?

This calculator uses the 2024/25 SARS rates (1 March 2024 – 28 February 2025). The tax brackets are: R0–R237,100 at 18%; R237,101–R370,500 at 26%; R370,501–R512,800 at 31%; R512,801–R673,000 at 36%; R673,001–R857,900 at 39%; R857,901–R1,817,000 at 41%; and R1,817,001 and above at 45%.

What are the SARS rebates and who qualifies?

SARS provides three rebates that reduce your tax payable directly. The Primary Rebate (R17,235) applies to all taxpayers under 65. The Secondary Rebate (an additional R9,444) applies to taxpayers aged 65–74. The Tertiary Rebate (a further R3,145) applies to taxpayers aged 75 and over. These rebates are added cumulatively — a taxpayer aged 75+ receives all three.

What is the tax threshold (minimum taxable income)?

For 2024/25, taxpayers below the tax threshold owe no income tax. The threshold is R95,750 for persons under 65; R148,217 for persons aged 65–74; and R165,689 for persons aged 75 and over. This threshold is derived from the tax brackets and rebates combined.

Does this calculator include UIF and medical tax credits?

No. UIF contributions (1% of remuneration up to a cap), medical scheme tax credits, retirement annuity deductions, and other credits are not included. They reduce your actual tax liability and take-home pay. Use this calculator as a planning estimate and consult a tax practitioner for a precise figure.

Does this cover non-residents or foreign income?

No. This calculator applies South African resident tax rates only. Non-residents are taxed differently on South African-sourced income, and foreign income has its own exemption rules. Non-resident calculations are not supported here.

How accurate is this estimate?

The estimate is based on the 2024/25 SARS resident tax brackets and the primary, secondary, and tertiary rebates. It does not account for medical credits, retirement contributions, UIF, travel allowances, deductions, or other adjustments. Use it as a planning guide — consult a registered tax practitioner for a precise tax liability.

South Africa Income Tax Calculator

Enter your gross income to instantly see your South African income tax, primary/secondary rebates, and net take-home pay for the 2024/2025 tax year.

Your Income Details

Gross Income

Age Group

Determines which SARS rebates apply to your tax.

Based on 2024/25 SARS resident tax brackets and rebates. Does not include UIF, medical tax credits, retirement annuity deductions, or non-resident rates.

Gross Income

R500,000

Income Tax

Effective Rate

Take-Home

Annual vs Monthly Breakdown

Item	Annual	Monthly
Enter your income above and click Calculate.

Income Tax Band Breakdown

Enter your income to see the SARS band breakdown.

How Your Income Is Allocated

Enter your income to see the allocation chart.

Summary

This calculator estimates your South African personal income tax for the 2024/2025 tax year using the latest SARS tax brackets and rebates. Enter your gross annual or monthly income, select your age group (under 65, 65–74, or 75 and over), and the tool instantly applies the current SARS resident tax brackets along with the applicable primary, secondary, and tertiary rebates. The result shows your gross income, income tax after rebates, effective tax rate, and net take-home pay broken down annually and monthly. Medical tax credits, retirement annuity deductions, UIF contributions, and other offsets are not included — use this tool as a planning guide and consult a registered tax practitioner for a precise figure.

How it works

Enter your gross income and choose whether it is annual or monthly.
Select your age group to determine which SARS rebates apply.
The calculator applies the 2024/25 SARS resident tax brackets to compute gross tax.
The applicable primary, secondary, or tertiary rebate is subtracted to arrive at tax payable.
Your effective tax rate and net take-home pay are displayed instantly.
An income tax band breakdown shows exactly how each SARS bracket contributes to your total tax.

Use cases

Estimate how much of your South African salary you keep after tax.
Compare take-home pay across different salary offers or annual increases.
Understand which SARS tax bracket your income falls into.
See the rand value of the primary, secondary, and tertiary rebates for your age group.
Plan a monthly budget based on your net take-home pay.
Verify whether your employer PAYE withholding looks correct.
Model the tax impact of a bonus or additional freelance income.
Compare pre-tax and post-tax income when negotiating a package.

Frequently Asked Questions

Last updated: 2026-05-29 · Reviewed by Nham Vu