SA Tax Calculator 2026

ZAR Tax is the most comprehensive South African tax calculator app. Estimate your SARS income tax, calculate UIF, plan your retirement, and understand your tax brackets in one app. Built for South African individuals, companies, trusts, and small businesses.

Whether you're an employee checking your PAYE, a freelancer estimating provisional tax, or a small business owner calculating SBC rates, ZAR Tax gives you accurate estimates based on official SARS tax tables from 2020/2021 to 2026/2027.

QUICK TAX CALCULATOR
• Instant South African income tax estimates
• Monthly or annual income toggle
• Pension and RA contribution deductions
• Age-based rebates (under 65, 65-74, 75+)
• Medical tax credits by dependants
• Optional UIF calculation
• Year-over-year tax comparison
• Effective tax rate and take-home pay

FULL TAX CALCULATOR
• Step-by-step guided calculation flow
• Bracket-by-bracket tax breakdown
• Retirement deductions (27.5% limit, R430k cap)
• Medical tax credits
• Section 18A donation deductions
• Travel allowance and home office deductions
• Effective vs marginal tax rates
• Tax optimization suggestions with savings estimates

RETIREMENT PROJECTION CALCULATOR
• RA projections with salary growth, returns, inflation, and fees
• Lump sum vs annuity analysis with tax calculations
• Drawdown rate selector (FSCA: 2.5% to 17.5%)
• TFSA projections with lifetime cap tracking
• Combined RA + TFSA retirement summary
• Nominal and inflation-adjusted values

TAXPAYER TYPES SUPPORTED
• Individuals (employees, self-employed, pensioners)
• Companies (27% flat rate)
• Small Business Corporations (SBC progressive rates)
• Trusts (45%) and Special Trusts
• Non-residents

TAX YEARS: 2020/2021 to 2026/2027
• Current tax year auto-detected
• Compare tax across multiple years

TAX RATES AND DEDUCTIONS COVERED
• SARS progressive brackets for individuals
• Company, trust, and SBC rates
• Medical credits, retirement deductions, rebates
• UIF, Capital Gains Tax, donations tax
• VAT thresholds and travel allowance rates

LEARN ABOUT SA TAX
• How SARS tax brackets work step by step
• Deductions, rebates, and credits explained
• Effective vs marginal tax rates
• Tax optimization tips with legal references

APP FEATURES
• Offline calculations, no internet required
• Inputs saved and restored automatically
• Dark theme for OLED screens
• Responsive design for phones and tablets
• Links to SARS website, eFiling, and tax tables

PRIVACY: All calculations local. No data sent. No account needed.

SOURCES: Tax rates from SARS and National Treasury
https://www.sars.gov.za
https://www.treasury.gov.za

DISCLAIMER: Not an official SARS product. Not affiliated with or endorsed by the South African Revenue Service or any government entity. Independent tool for informational and educational purposes only. Tax calculations are estimates. Always verify with SARS or a registered tax practitioner.