Income Tax Estimator
Estimate your income tax with deductions, rebates, and credits. Supports SA, US, UK, CA, and AU tax tables.
// Progressive Tax
Most countries use progressive brackets — you only pay the higher rate on income above each threshold, not on all your income. This is why your effective rate is always lower than your marginal rate.
// Retirement Annuity (SA)
RA contributions are tax-deductible up to 27.5% of taxable income, capped at R350,000 per year. This is one of the most powerful tax savings tools in SA — every R1 contributed saves you tax at your marginal rate.
// SA Tax Rebates 2024/25
Primary (all): R17,235. Secondary (65+): R9,444. Tertiary (75+): R3,145. These reduce your tax directly, not your taxable income.
// Medical Aid Credits (SA)
Monthly credits: R364 for main member, R364 for first dependant, R246 for each additional dependant. These reduce tax owed, not taxable income.
// UIF (SA)
Unemployment Insurance Fund: 1% of salary deducted, matched by employer. Capped at R177.12/mo (based on max insurable earnings of R17,712/mo). This is an after-tax deduction.
// Effective vs Marginal
Your marginal rate is the bracket your last rand falls into. Your effective rate is total tax ÷ total income — usually much lower. A R150k/mo earner in SA pays ~36% marginal but around 33% effective.
// Tax-Free Savings (SA)
SA residents can invest up to R36,000/yr (lifetime R500k) in a Tax-Free Savings Account where all growth, dividends, and interest are exempt from tax. Not deductible, but all returns are tax-free.
// Donations Deduction (SA)
Donations to approved S18A organisations are deductible up to 10% of taxable income. Get a S18A certificate from the charity to claim the deduction.