Tax season has officially arrived, and for many South Africans, it’s time to log into SARS eFiling, review their income, and submit their annual tax return.
If you’ve never filed before or simply need a refresher, the process is much easier than many people think. Here’s exactly how to do it.
Step 1: Find out if you need to file
Before doing anything else, check whether SARS has issued you an Auto Assessment.
Many taxpayers with straightforward tax affairs will receive an SMS or email informing them that SARS has already calculated their tax based on information received from employers, banks, medical schemes and retirement funds. If all the information is correct, you may simply accept the assessment without completing a return. However, if information is missing or incorrect, you’ll need to make changes and submit your own return.
Step 2: Register for SARS eFiling (if you haven’t already)
If you’re filing for the first time, you’ll need to register for SARS eFiling.
Once registered, log in using your username and password. You can also submit your return through the SARS MobiApp if you prefer using your smartphone.
Step 3: Gather your supporting documents
Before completing your return, have the following ready:
- IRP5 or IT3(a) from your employer
- Medical aid tax certificate
- Retirement annuity certificates
- Investment income certificates
- Travel logbook (if applicable)
- Rental income records
- Business income and expense records
- Banking details
SARS doesn’t usually require you to upload these documents when filing, but you must keep them for at least five years in case you’re selected for verification or an audit.
Step 4: Open your tax return (ITR12)
Once you’re logged in:
- Click Returns.
- Select Returns Issued.
- Click Personal Income Tax (ITR12).
- Select the relevant tax year.
- Click Request Return if your return hasn’t already been issued.
- Open your ITR12.
Step 5: Check the information SARS has already filled in
SARS pre-populates much of your return using information received from third parties.
Go through every section carefully and make sure:
- Your employer’s information is correct.
- Your salary matches your IRP5.
- Your medical aid details are accurate.
- Your retirement contributions appear correctly.
- Your banking details are up to date.
Never assume everything is correct.
Step 6: Declare any extra income
SARS won’t always know about income you earned outside your regular salary.
Be sure to declare:
- Freelance or consulting income
- Side hustle earnings
- Rental income
- Foreign income
- Investment income not already reflected
Leaving out income can result in penalties and interest.
Step 7: Claim deductions you’re entitled to
Depending on your circumstances, you may be able to claim:
- Retirement annuity contributions
- Certain travel expenses
- Business expenses
- Donations to approved Public Benefit Organisations (PBOs)
- Additional qualifying medical expenses
Only claim deductions you can prove with supporting documents.
Step 8: Review your return carefully
Before clicking Submit, check:
- Personal details
- Tax number
- Banking information
- Income figures
- Deductions
- Supporting information
A simple mistake could delay your refund or trigger a SARS verification.
Step 9: Submit your tax return
Once everything is correct:
- Click File Return.
- Wait for the confirmation message.
- Save or print your submission confirmation for your records.
Step 10: Wait for your assessment
SARS will process your return and issue a Notice of Assessment (ITA34).
The assessment will show whether:
- You owe SARS money;
- SARS owes you a refund; or
- Your tax account is balanced.
If SARS requires additional information, respond as soon as possible to avoid delays.
Why filing your tax return is important
Submitting your tax return isn’t just about complying with the law, it also protects your financial interests.
If you don’t file when required, SARS can impose administrative penalties, interest on unpaid tax, and additional charges for late or non-compliance.
Filing your return also ensures you:
- Receive any tax refund you’re entitled to.
- Keep your tax affairs in good standing.
- Avoid problems when applying for home loans, vehicle finance or visas, where proof of tax compliance may be required.
- Update SARS with your latest financial information.
Even if you think you won’t receive money back, filing accurately and on time helps prevent complications later.
Common mistakes taxpayers make
Avoid these common errors:
- Accepting an Auto Assessment without checking it.
- Forgetting to declare all sources of income.
- Claiming deductions without proof.
- Using outdated banking details.
- Missing the filing deadline.
- Ignoring correspondence from SARS.
Filing your tax return may seem intimidating, but for most taxpayers, the process can be completed in under an hour if you have your documents ready. Taking the time to review your information carefully before submitting can save you from unnecessary delays, penalties, and costly mistakes.
Remember: when in doubt, don’t guess. If your tax affairs are complex, seek assistance from a registered tax practitioner or contact SARS for guidance.
