South Africa 2025/2026 · Take-home pay after PAYE, UIF and deductions
E.g. garnishees, company loans
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Net pay also subtracts UIF and any voluntary deductions (pension, medical aid, other). PAYE alone doesn't account for the full picture.
Not directly — pension is deducted from gross pay, but it also lowers your taxable income, so it reduces PAYE. The net effect depends on your tax bracket.
It may be shown for transparency, but it's not deducted from your pay — it's a separate cost the employer pays on top of your salary.
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