Calculate your take-home salary with accurate PAYE tax, UIF, pension, and medical aid deductions. Perfect for employees checking their payslips and employers calculating payroll costs.
Calculate take-home pay with PAYE, UIF, pension & medical aid deductions
Monthly salary before deductions
Pre-tax deduction (pension fund contribution)
Employee portion of medical aid (post-tax)
Tax credit: R364/month + R246/month per dependent
Age affects tax rebates
Unemployment Insurance Fund contribution
Employer's total monthly cost including statutory contributions
South African employees have several statutory and voluntary deductions from their gross salary. Understanding these deductions helps you verify your payslip and plan your finances.
Income tax deducted monthly by employer. Rates: 18-45% based on income brackets.
1% employee + 1% employer contribution. Capped at R177.12/month per party.
R364/month for main member + R246 per dependent. Reduces PAYE liability.
Pre-tax deduction. Reduces taxable income, lowering your PAYE.
Rate: 1% of gross salary (employer matches employee's 1%)
Cap: R177.12/month per party (based on R17,712 threshold)
Rate: 1% of gross payroll (employer only)
Purpose: Fund skills development & training initiatives
Gross salary + UIF (1%) + SDL (1%) = ~102% of gross
Excludes pension fund matching, provident fund, etc.
Note for Employers: These are statutory minimums. Many employers also contribute to pension/provident funds (typically 50-100% match), medical aid subsidies, and other benefits.
PAYE is calculated on your annualized income. Bonuses, overtime, or backdated increases can push you into a higher tax bracket temporarily, increasing that month's PAYE. It balances out over the year.
No, you can't claim back the contributions themselves. However, you receive a medical tax credit (R364/month + R246/dependent) that reduces your PAYE. If your employer didn't apply it, claim on your annual tax return.
UIF provides income protection if you lose your job, are on maternity leave, or sick leave (after sick leave is exhausted). You can claim up to 58% of your salary for up to 12 months (depending on contribution history).
Yes! Pension contributions are pre-tax, reducing your taxable income and PAYE. A R3,000/month pension contribution saves approximately R930-R1,350 in PAYE (depending on bracket), while building retirement savings. It's one of the best tax benefits available.