Estimate annual individual income tax for the current year ending February 2027, or the preceding year. Select already taxable income or income before the retirement deduction. Enter annual amounts and eligible medical expenses; the form shows each deduction and credit separately.

Formula

Annual tax = max(progressive tax on taxable income − age rebates − medical scheme credit − additional medical credit, 0). The monthly equivalent is annual tax ÷ 12. Section 11F deductions are limited to eligible contributions, the annual cap, 27.5% of the higher statutory income base, and taxable income excluding taxable capital gains.

Examples

Annual taxable income R300,000

Under age 65, no medical credits: current 2027 annual income tax R40,572. The same taxable income produces R41,797 under the preceding 2026 schedule.

A PRACTICAL GUIDE

When to use this calculator

The annual estimate brings together the progressive income-tax calculation, age rebates and eligible medical credits. It is useful for comparing taxable-income scenarios and understanding how the tax after relief differs from the amount produced by the bracket table alone.

Information to prepare

Confirm the year of assessment, age and qualifying retirement or medical information. Retirement deductions are subject to several limits; entering the total contribution does not mean every amount is deductible. Keep the income bases required for those limits distinct from cash received or final taxable income.

How to interpret the result

Gross income, taxable income and tax liability are different quantities. A deduction can change the tax base, while a credit or prior payment can change liability or the remaining balance. Under progressive bands, the marginal rate does not necessarily apply to the whole income. An effective rate depends on the denominator used: gross receipts, net income and taxable income can produce different percentages. Read the component labels and included reliefs before treating an effective percentage as a rate for another income scenario.

A practical comparison

Compare the tax before and after relief to identify the source of a difference. The monthly equivalent is an annual estimate divided across the year, not a complete simulation of every irregular payroll payment. Review omitted cash deductions separately before treating the result as disposable income.

Check your calculation step by step

  1. Match the figures to the selected period and use ZAR for monetary inputs. If you start with a document in another currency or covering several periods, resolve that difference before entering a combined amount.
  2. Calculate the documented case first. Then change one input at a time to compare scenarios. Keep the original values available so a change in the result can be traced to a particular assumption rather than several simultaneous edits.
  3. Read the component breakdown alongside the formula and examples below. If an official document differs, check the date, base, rounding and omitted concepts before changing a rate or treating the difference as an error.

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Frequently asked questions

Which tax year is current?

The 2027 tax year runs from 1 March 2026 to 28 February 2027. It uses the new bands, rebates and medical-credit amounts. The previous 2026 tax year remains selectable.

Can I deduct retirement contributions again from taxable income?

No. Use the before-retirement mode only if that deduction has not been taken. Eligible unused contributions may be included, subject to the same limits. The current annual monetary cap is R430,000; the previous cap was R350,000.

How are medical expenses handled?

Medical scheme credits require fees paid for qualifying coverage. Additional medical credits use 33.3% for age 65 or above or a qualifying disability; other taxpayers use 25% after the statutory 7.5% income threshold. The form accepts a constant coverage and fee-sharing arrangement for the specified months.

Is the monthly result an exact payslip?

It is an annual-tax equivalent. Payroll timing, employer application of medical credits and a tax period shorter than a full year can change PAYE. Separate lump-sum taxes, foreign-tax credits and cash take-home pay are outside this form.

CHECK THE REFERENCES

Official sources