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SARS 2025/26 · Updated tax tables

Salary & PAYE Calculator

See your monthly take-home pay, PAYE deductions, and effective tax rate based on the current SARS brackets.

Gross monthly salary before deductions
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Deductions
Pension / RA contribution max 27.5% tax deductible
0%
Medical aid members tax credits per member
Personal details
Age bracket affects rebate amount
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Disclaimer: Estimates only. Based on SARS 2025/26 tax tables. Actual PAYE may differ depending on your employer's tax directive, bonus structuring, and other deductions. ToolboxSA is not a tax practitioner — consult a professional for formal advice.

Transfer Duty Calculator

Buying property in South Africa involves more than just the purchase price. One of the most important additional costs to consider is transfer duty. Our Transfer Duty Calculator helps you estimate the amount payable when purchasing residential property, so you can budget more accurately before finalising your property transaction.

Whether you’re a first-time buyer, property investor, or upgrading to a new home, this calculator gives you a quick estimate of the transfer duty costs based on current South African rates.

What Is Transfer Duty?

Transfer duty is a tax paid to SARS (South African Revenue Service) when property ownership is transferred from the seller to the buyer. It is generally payable on properties above a certain threshold and is calculated on a sliding scale based on the property purchase price.

Transfer duty usually applies to residential property transactions where VAT is not included in the purchase price.

How the Salary PAYE Calculator Works

The calculator estimates your take-home salary using information such as:

  • Gross monthly or annual salary
  • Age category
  • Pension or retirement contributions
  • Medical aid contributions
  • Bonuses or additional income
  • Tax year rates and rebates

Based on your inputs, the calculator can estimate:

  • PAYE tax deductions
  • UIF contributions
  • Net monthly salary
  • Annual take-home income
  • Total tax payable

Why Use a Salary PAYE Calculator?

Using a PAYE calculator helps you:

  • Estimate your take-home pay accurately
  • Understand how much tax you pay
  • Compare salary offers more effectively
  • Plan your monthly budget
  • Check if payslip deductions are reasonable
  • Prepare for tax season and financial planning

It’s also useful for freelancers or contractors who want to estimate tax obligations when negotiating income.

Additional Property Costs to Consider

Besides transfer duty, property buyers may also need to budget for:

  • Bond registration fees
  • Conveyancing attorney fees
  • Deeds office fees
  • Home loan initiation fees
  • Rates and taxes
  • Insurance and moving costs

These expenses can add a significant amount to the total cost of purchasing a property.

When Is Transfer Duty Payable?

Transfer duty is usually payable before the property can be registered in the buyer’s name. The transferring attorney normally handles the payment process and submits the duty to SARS as part of the property transfer procedure.

Failure to pay transfer duty on time may delay the registration process.

Important Things to Remember

Transfer duty rates and thresholds may change each year during the South African national budget announcement. The calculator provides estimates based on the latest available rates, but actual costs may vary depending on your transaction details.

If the property purchase includes VAT, transfer duty may not apply.

Calculate Your Transfer Duty Today

Use our Transfer Duty Calculator to estimate your property transfer costs and plan your home purchase with greater confidence. Understanding your upfront costs can help make the property buying process smoother and more financially manageable.