Take-home pay calculator

Taxly keeps your tax paperwork in order all year

The calculator is one small part of Taxly. Taxly is a filing assistant for South African freelancers, small businesses and salaried people with deductions:

• Capture — snap a slip, upload a PDF, or forward the invoice by email.
• Read & check — AI reads the merchant, date, total and VAT; you confirm it.
• Store — the original is kept as your SARS audit trail.
• Build — deductions and a running tax estimate update as you go.
• File — export a pack with the ITR12 codes mapped, for eFiling or your accountant.

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How take-home pay is worked out

1. Your salary is turned into an annual figure (12 months, 26 fortnights or 52 weeks).
2. Pension, provident and RA contributions come off first — up to 27.5% of your pay, capped at R430 000 a year for 2026/27.
3. Income tax comes from the SARS brackets, less the age rebate (R17 820 for under-65s in 2026/27). If you pay a medical aid, the monthly medical scheme fees credit reduces it further.
4. UIF is 1% of your salary, capped at R177.12 a month.
5. Take-home pay is what's left after PAYE, UIF and your own retirement contributions.

An estimate for a steady salary, before medical aid premiums, bonuses, fringe benefits and other payslip deductions — your payslip can differ.