Free tool · Pay Checker

What's your real take-home pay?

Build your payslip below and watch the numbers update live — calculated on the official SARS tax tables, with the correct treatment of allowances, bonuses, retirement funds and statutory contributions in your country. Know your target take-home instead? Work backwards with the Pay Planner.

1

Payslip details

A tax year runs 1 March to 28 February. We're in the 2027 tax year, which started 1 March 2026.
How often you actually get paid and receive a payslip.
Use your age on the last day of the tax year (28 February). SARS gives larger rebates the older you are.
2

Income

Your fixed, guaranteed cash amount each pay period, before allowances, bonuses, overtime or benefits.
If yes, only 20% of the allowance is taxed through PAYE; otherwise 80% is taxed. You receive the full allowance in cash either way.
A fixed monthly amount covering the running costs of a car used for work: fuel, wear-and-tear, insurance, etc.
Commission, overtime, shift, stand-by, call-out, cellphone allowance and similar taxable extras.
Reimbursive travel, relocation payments, bursaries for dependants, etc. Paid to you, but not taxed.
A single amount paid once a year: 13th cheque, performance/incentive bonus, or year-end bonus.
3

Allowances & deductions

Members determine your tax credit. Enter a contribution only if it comes off your payslip (leave 0 if you pay it privately).
Pension, provident and RA contributions share one deduction limit, applied automatically under your country’s rules (SARS: 27.5% of income, capped per year).
Garnishee orders, union fees, subscriptions, salary-sacrifice items, staff loans, etc. Taken after tax.

Your pay, broken down

R 0
take-home per month
Effective tax 0% Marginal rate 0% Bracket —
Take-homePAYE UIFRetirementOther
MonthlyAnnual
How this works: taxable remuneration = basic salary + taxable allowances/benefits + the taxable portion of your travel allowance (80%, or 20% with majority business use), less your allowable retirement deduction (pension + provident + RA, limited to 27.5% of income and the annual SARS cap). Tax per the official SARS tables for your chosen tax year, less your age rebate and monthly medical scheme fees tax credits. Your bonus is taxed at your marginal rate on top of regular income. UIF is 1% of remuneration up to the R17 712/month earnings ceiling. Exempt income and after-tax deductions adjust your cash without affecting tax. Sources: National Treasury & SARS Budget Tax Guides. Estimates for information only — not tax or financial advice; company cars, share schemes and multiple employers need a full payroll calculation.
Free tool · Pay Planner

How much must you earn to take home your number?

Work backwards: tell us the take-home pay you need, and we solve the gross salary required on official SARS tables — then show you smarter ways to structure the same package.

1

Your target

The amount that must land in your bank account after tax, statutory contributions and retirement deductions.
2

How you'd like to divide it

Pension, provident or RA. It reduces your cash, but the taxman gives part of it back as a tax saving — the planner shows exactly how much.
With majority business use (keep a logbook), only 20% of the allowance is taxed through PAYE instead of 80%.
Only worth it if you genuinely use your car for work — SARS reconciles it against your logbook at assessment.

What you need to earn

R 0
gross per month, with your chosen structure
Effective tax 0% Marginal rate 0% Tax cost R 0
MonthlyAnnual
Ways to divide the same take-home
How this works: the planner solves the equation backwards — searching for the gross package whose take-home, after PAYE (official SARS tables for your chosen tax year, age rebates and medical credits), UIF (1% capped at the R17 712/month ceiling) and your retirement contribution, exactly equals your target. Travel allowances are taxed at 80% inclusion (20% with majority business use) but paid to you in full. The scenario cards re-solve the same target under alternative structures so you can compare like-for-like. Estimates for information only — not tax, remuneration or financial advice; structuring should be agreed with your employer and reconciled at assessment.
Free tool · Income Architect

Income Architect — structure every rand you earn.

Bring all your income together — salary, side business, rental, interest, dividends, capital gains — and see your true combined tax position on official SARS tables, plus a ranked list of exactly how to keep more of it.

Official SARS tax tables Built for taxpayers & advisors Ranked optimisation opportunities 100% free · nothing stored
1

About you

2

Employment income (annual)

Total annual cash salary before deductions. Leave 0 if you have no employment income.
3

Business, property & investments (annual)

Sole-proprietor profit after expenses.
Rent received minus bond interest, rates, levies, repairs.
Bank, money market, fixed deposits (outside a TFSA).
Total gains on assets sold this tax year.
JSE shares & local funds — 20% dividends tax is withheld.
Listed property income — fully taxable at your marginal rate.
Offshore shares/ETFs (<10% holdings) — taxed at a maximum effective 20%.
4

What you're already doing

Pension + provident + RA combined, employer and employee.
Tax-free savings account deposits this tax year.

Your combined position

R 0
you keep, per year
R 0
total tax, per year
Effective rate 0% Marginal rate 0% Bracket — Monthly kept R 0
Income streamGrossTaxKept

How to keep more

Methodology (for you and your advisor): taxable income aggregates remuneration (salary + bonus + the 80%/20% taxable portion of travel allowances), business profit, net rental, local interest above the age-based exemption (R23 800 / R34 500), REIT distributions, and 40% of capital gains above the annual exclusion — less the retirement deduction (27.5% of the greater of remuneration or taxable income, capped per year). Normal tax per the official SARS tables less age rebates and medical scheme fees tax credits. Local dividends bear 20% dividends withholding tax outside taxable income; foreign dividends are modelled at the maximum effective 20%. UIF (1%, capped) applies to remuneration. Per-stream tax is attributed marginally, in the order streams stack. Sources: National Treasury & SARS Budget Tax Guides. This is a modelling tool, not advice — ring-fencing of rental losses, provisional tax timing, s12T, estate and offshore considerations need a professional. Advisors: you're welcome to use this with clients; every figure traces to the published tables.