Calculate your monthly net salary using official ZIMRA tax bands
Enter Your Monthly Gross Salary
Enter your gross monthly salary in USD below. The calculator uses the 2026 ZIMRA tax bands to compute your income tax, AIDS levy, and net take-home pay.
US$
Your Tax Breakdown
Monthly Gross Salary
Annual Gross Salary
Annual Income Tax (before credit)
Less: Tax Credit
Income Tax (after credit)
AIDS Levy (3%)
Total Annual Tax
Monthly PAYE Deduction
Monthly Net Pay (Take-Home)
* This calculator does not include NSSA, pension, or other voluntary deductions.
Tax Band Breakdown
Tax Band (Annual)
Rate
Taxable Amount
Tax
How PAYE is Calculated in Zimbabwe
PAYE (Pay As You Earn) is the system used in Zimbabwe to collect income tax from employed individuals. Your employer deducts PAYE from your gross salary each month and remits it to ZIMRA on your behalf. The calculation follows these steps:
Annualise your salary: Multiply your monthly gross salary by 12 to get the annual taxable income.
Apply progressive tax bands: The annual income is taxed at increasing rates as it passes through each band (0%, 20%, 25%, 30%, 40%).
Subtract the tax credit: A credit of US$1,200 per year is deducted from the calculated tax. If the tax is less than the credit, the result is zero (no refund).
Add the AIDS levy: 3% of the income tax (after credit) is added as the AIDS levy.
Monthly PAYE: Divide the total annual tax (income tax + AIDS levy) by 12 to get the monthly deduction.
Net pay: Your gross salary minus the monthly PAYE gives your take-home pay.
Note: This calculator provides an estimate based on standard ZIMRA rates. It does not account for NSSA contributions (currently 4.5% employee / 4.5% employer, capped), pension fund contributions, or other deductions that may apply to your specific employment contract.
2026 PAYE Tax Bands Reference
Annual Income (USD)
Monthly Income
Rate
US$0 – US$1,200
Up to US$100
0%
US$1,201 – US$36,000
US$100 – US$3,000
20%
US$36,001 – US$72,000
US$3,000 – US$6,000
25%
US$72,001 – US$120,000
US$6,000 – US$10,000
30%
Over US$120,000
Over US$10,000
40%
Tax Credit: US$1,200/year (US$100/month) | AIDS Levy: 3% of tax payable
For detailed tax tables with all rates, see our 2026 Tax Tables page.
Employer Responsibilities
If you are an employer, you are legally required to:
Register for PAYE with ZIMRA before your first employee starts
Deduct PAYE from each employee's salary using the current tax tables
Remit PAYE to ZIMRA by the 10th of the following month
Issue tax certificates (ITF16) to employees annually
PAYE is calculated by annualising your monthly salary, applying progressive tax bands (0% to 40%), subtracting the US$1,200 annual tax credit, adding 3% AIDS levy, and dividing by 12 for the monthly deduction.
What is the tax-free threshold in Zimbabwe 2026?
The tax-free threshold is US$1,200 per year (US$100/month). With the tax credit of US$1,200/year, employees earning up to approximately US$600/month effectively pay zero income tax.
Does this calculator include NSSA contributions?
No. This calculator only computes income tax (PAYE) and AIDS levy. NSSA contributions, pension fund deductions, and other deductions are not included.
What is the AIDS levy in Zimbabwe?
The AIDS levy is an additional 3% charged on your income tax payable (after the tax credit). It funds Zimbabwe's national HIV/AIDS response programs.