Tax Bracket Calculator South Africa 2025/2026 (SARS Marginal Rates, Age Rebates & Headroom)
Find your official SARS 2025/2026 personal income tax bracket (18% to 45%), base tax liability, statutory age rebates, and headroom before entering the next tax bracket in ZAR.
Tax Bracket Calculator South Africa
Methodology
Implements the official South African Revenue Service (SARS) 2025/2026 progressive personal income tax brackets. Computes exact marginal tax rates (18%, 26%, 31%, 36%, 39%, 41%, 45%), statutory age rebates (Primary R17,235, Secondary R9,444 for 65–74, Tertiary R3,145 for 75+), and Section 6A Medical Scheme Fees Tax Credits. Calculates effective tax rate and remaining taxable income buffer before crossing into the next higher marginal bracket.
-
01
User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
-
02
Formula basis
The formula is shown openly and no country rate is inserted automatically.
-
03
Your estimate
AfricalHub is an independent private platform not affiliated with any government agency. Calculations are for educational planning only. Verify official filings with the relevant revenue authority or a qualified professional.
SARS 2025/2026 Statutory Tax Brackets & Rates
| Taxable Income Band (ZAR) | Base Tax | Marginal Tax Rate on Excess |
|---|---|---|
| R0 – R237,100 | R0 | 18% of taxable income |
| R237,101 – R370,500 | R42,678 | + 26% of amount above R237,100 |
| R370,501 – R512,800 | R77,362 | + 31% of amount above R370,500 |
| R512,801 – R673,000 | R121,475 | + 36% of amount above R512,800 |
| R673,001 – R857,900 | R179,147 | + 39% of amount above R673,000 |
| R857,901 – R1,817,000 | R251,258 | + 41% of amount above R857,900 |
| R1,817,001 and above | R644,489 | + 45% of amount above R1,817,000 |
Sources
User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
Frequently asked questions
What are the official SARS income tax brackets for 2025/2026?
The 2025/2026 SARS tax bands are: R0 – R237,100 (18%), R237,101 – R370,500 (26%), R370,501 – R512,800 (31%), R512,801 – R673,000 (36%), R673,001 – R857,900 (39%), R857,901 – R1,817,000 (41%), and R1,817,001+ (45%).
What is the difference between my marginal tax rate and effective tax rate?
Your marginal tax rate is the percentage of tax paid on your highest rand of earnings (e.g., 31%). Your effective tax rate is your total actual tax paid divided by your total income (often around 18% to 22%), because lower tax brackets and statutory rebates apply to earlier portions of your earnings.
What is the SARS tax-free threshold in South Africa?
For the 2025/2026 tax year, the tax-free threshold is R95,750 for taxpayers under 65 (owing to the R17,235 primary rebate). For individuals aged 65 to 74, the threshold is R148,217, and for individuals aged 75 and older, it is R165,689.