Estimate South African personal income tax for the 2025/26 tax year (1 March 2025 – 28 Feb 2026) using SARS's 7-band schedule, with the under-65 primary rebate (R 17,235) netted as a non-refundable credit. UIF and medical-scheme tax credits are not modeled.
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Income tax (after rebate)
R 69 272
Effective 17.32% · Marginal 31.00%
| Rate | Range | In bracket | Tax |
|---|---|---|---|
| 18.00% | R 0 – R 237 100 | R 237 100 | R 42 678 |
| 26.00% | R 237 100 – R 370 500 | R 133 400 | R 34 684 |
| 31.00% | R 370 500 – R 512 800 | R 29 500 | R 9 145 |
South Africa applies progressive brackets to taxable income, then subtracts a primary rebate that effectively creates a tax-free threshold.
18% to R 237,100 → 26% to R 370,500 → 31% to R 512,800 → 36% to R 673,000 → 39% to R 857,900 → 41% to R 1,817,000 → 45% above.
R 17,235 (under-65) is subtracted from the calculated tax. Non-refundable: clamps at zero. This effectively creates a ~R 95,750 tax-free threshold.
Brackets: 18% × 237,100 = R 42,678 26% × 133,400 = R 34,684 31% × 29,500 = R 9,145 Base tax = R 86,507 Primary rebate = − R 17,235 Total tax = R 69,272 Effective rate = 17.32% Marginal rate = 31%
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Calculation logic is based on data verified for South Africa 2025/26.
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