Personal Tax
Guides to South African personal income tax returns: ITR12, deductions, medical aid, retirement funds and refunds.
- SARS Code 4216 and 4218: Foreign Dividends and Interest. SARS code 4216 is your foreign dividends and 4218 your foreign interest. How each is taxed, the foreign tax credit and how to file them. Read the guide.
- SARS Code 4001, 4003 and 3817 on Your ITA34. SARS code 4001 is your pension contributions, 4003 provident and 3817 your employer's pension fringe benefit. Check them on your ITA34 with our guide.
- Tax Practitioner for Your ITR12: How to Appoint One. Who may file your ITR12, how to check a tax practitioner is registered, and how to approve their eFiling access with a one-time PIN. Ask us for help.
- Section 10(1)(h) ITR12 2026: How to Claim Per Account. Section 10(1)(h) ITR12 2026: SARS now wants the exemption and DTA relief claimed per account. Line-by-line steps for emigrants and non-residents. Ask us.
- IT3(t) Trust Vesting on Your ITR12: Fix It by 23 Oct. IT3(t) trust vesting on my ITR12 differs from what I declared. What beneficiaries must check and fix before 23 October 2026. Read the practical steps.
- ROT Validation: Why SARS Rejects 2026 ITR12s. An outstanding Recognition of Transfer means SARS has not received the ROT01 or ROT02 from your fund, so your ITR12 is rejected. How to fix it and refile.
- Two-Pot Tax Owed on Your 2026 SARS Assessment. Two-pot tax owed on your 2026 SARS assessment? Why the directive was not final tax, how to read your ITA34, and what to do before 23 October.
- SARS Refund Delayed 2026: Why and How to Get Paid. SARS refund delayed? Learn how long a SARS refund takes in 2026, why refunds get held, and the practical steps to release your stuck payment. Read on.
- How to Declare Side Hustle Income to SARS. Learn how to declare side hustle income to SARS, when you become a provisional taxpayer, and what expenses you can claim. Book a call for guidance.
- Documents Needed to File Tax Return South Africa 2026. The documents needed to file your tax return in South Africa 2026: IRP5, IT3s, medical, RA and crypto records. Gather these before filing season opens.
- Breaking Down Tax for South African Entrepreneurs. A tax guide for South African salaried earners, freelancers, sole proprietors and crypto traders: key deadlines, crypto income and common pitfalls.
- The Tax Benefits of Retirement Annuities. An RA cuts your tax: contributions are deductible up to 27.5% of income, capped at R350,000 a year (R430,000 from the 2027 tax year), and grow tax-free.
- Tax Deductions You Might Be Missing Out On. Tax deductions you can claim in South Africa: medical credits, retirement funds, home office, travel and donations, and the records SARS expects.
- SARS eFiling Simplified: A Step-by-Step Guide for South African Taxpayers. A step-by-step guide to SARS eFiling for salaried employees, freelancers, sole proprietors and crypto traders, with key deadlines and common mistakes.
- Tax Tips for Sole Proprietors in South Africa. A sole proprietor pays income tax on business profit as personal income, via two IRP6 payments and the ITR12. Registration, records and mistakes to avoid.
- Maximising Your Tax Refund: 7 Common Mistakes South Africans Should Avoid. Seven filing mistakes that shrink or delay a SARS tax refund, from wrong banking details and missed deductions to undeclared crypto and late returns.
- Common Issues You May Face When Submitting Your Tax Returns. Common issues South Africans face when submitting tax returns, from changing tax laws and eFiling challenges to deadlines, residency and documentation.
- Taxes can be painful - your consultant should not be!. The most common complaints about tax consultants, from poor communication to missed deadlines, and what to look for in a tax professional instead.
- Retirement Annuity Tax Benefit. Retirement fund contributions are deductible up to 27.5% of the greater of remuneration or taxable income, capped at R350,000. See worked examples.
- Tax deductions for Pension, Retirement and Provident funds simplified. Code 4001 is your pension fund contribution, 4003 provident fund and 3817 your employer's contribution taxed as a fringe benefit. How the 27.5% cap works.
- Medical tax deductions explained in simple language. Medical tax deductions explained in simple language: how the section 6A medical scheme fees credit and the section 6B additional medical credit work.
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