Filing your SARS tax return initially seem confusing, but once you understand the process, it’s actually simple and even empower. Whether you’re a first time filer, a freelancer, or a full time employee, this guide will help you step by step for file your return with confidence.
Why Filing Your Tax Return Matters
Many South Africans skip filing because they assume that their employer’s PAYE deductions cover everything. However, filing your annual income tax return ensures that :
- You remain compliant with the South African Revenue Service (SARS).
- You can claim deductions and get possible refunds.
- You must maintain a clear tax record, it’s useful while applying for loans or credit.
In simple terms, filing your tax return is not just a legal duty, it’s also a chance to make sure you are not overpaying.
Basic Terms to Know
Before the start, some important terms are here :
- ITR12 : The official income tax return form for individuals.
- SARS eFiling : The secure online platform used to submit your tax returns.
- Auto Assessment : SARS automatically calculates your tax based on your employer and bank information.
- Deductions : Expenses you can claim, such as retirement contributions, certain business costs and medical aid.
Understand these terms makes the filing process easier and quickly.
Step by Step Guide to Filing Your SARS Tax Return
Step 1 : Check If You Need to File
Everyone is not required to file a tax return. You should file it if :
- You earn above the tax threshold for your age group.
- You have multiple income resources such as (salary, freelance support, rental income, etc.).
- You want to claim deductions or rebates.
- You are not agree with your auto-assessment or need to update information.
Example :
Anelle works full time and also earns extra income by selling handmade bags. Her main salary has PAYE deductions but she still files her return to declare her bags business income and claims her expenses too.
Step 2 : Arrange Your Required Documents
Before you log in to the eFiling system, make sure about your following things :
- Your ID and tax reference number.
- IRP5 or IT3(a) certificate from your employer.
- Certificates of investment income or dividends.
- Proof for medical expenses and medical aid contributions.
- Proof for annual retirement contributions.
- Bank account details (for refunds).
- Supporting documents for business or rental income if applicable.
Tip : Make a folder with the specific name like “Tax 2025” on your computer or phone. Save all your certificates and receipts there throughout the year.
Step 3 : Register on SARS eFiling
If you before not used SARS eFiling, first you will need to register it.
Here is the way :
- Go to the SARS eFiling website (www.sarsefiling.co.za).
- Click Register → choose Individual.
- Fill your personal details, including your tax reference number.
- Create your account like username and password.
- Log in to your new account and verify your details.
Once you have registered, you can file your tax returns every year online without visiting a SARS branch.
Step 4 : Open and Complete the ITR12 Form
After logging in to your eFiling account :
- Go to Returns Issued → Personal Income Tax (ITR12).
- Click Request Return for the relevant year.
- Enter your personal information (address, bank details, etc.).
- Fill your income details from your IRP5 or other sources.
- Add your deductions such as medical, retirement, or business expenses.
- Save your work before leaving.
Make sure every amount must match with your documents. Even minor errors can delay on your refund or cause a verification request.
Step 5 : Claim Deductions and Rebates
You could save money. Many taxpayers miss out on deductions because they don’t know that they are eligible. Here are :
- Retirement Contributions : Claim contributions on your annual retirement or pension fund.
- Medical Aid and Expenses : Claim the medical tax and qualifying expenses.
- Home Office Deduction : If you are working from home and have a dedicated workspace, you may claim related expenses.
- Travel Allowance : If your job requires travel, keep a record to claim your business trips.
- Rental Property Expenses : Reduce the costs like maintenance, agent fees and municipal rates.
Example :
John works in sales department and travels frequently for business. He made a detailed travel record and claimed his travel allowance due to this he received a decent refund.
Step 6 : Review and Submit Your Return
Before submitting it cross check the everything :
- Confirm your banking details are correct.
- Ensure your income and deductions are matched with your supporting documents
- Check and verify your contact details for SARS correspondence.
Once ready :
- Click Submit to SARS.
- Wait for the confirmation message.
- You’ll receive an ITA34 (Notice of Assessment) within a few days.
If you owe money, pay it before the due date to avoid penalties. If you’re due a refund, SARS will pay it directly to your verified bank account.
Step 7 : After Submission What Happens Next
Once you’ve submitted :
- SARS processes your return and issues your assessment.
- You’ll receive a notification via email or SMS.
- If SARS needs additional proof then they’ll request for supporting documents.
- Refunds are usually paid within 1 to 3 weeks if everything is fine.
Example:
Erin filed early in July. Within 4 days, she received her ITA34 and her refund in a week. Due to early filing gave her peace of mind and avoided the rush.
Step 8 : Keep Records for at Least 5 Years
Even after you’ve filed, still it is not completed. SARS can request verification at any time, so it’s important to keep :
- Your IRP5 or IT3(a) certificates.
- Medical and retirement contribution proof.
- Travel receipts for claims.
- Bank statements for showing payments or refunds.
Organise the documents is the best way to stay ready for audit.
Common Mistakes to Avoid
| Mistake | How to Avoid It |
|---|---|
| Forget to update bank details | Verify before submission |
| Late submission | Mark SARS deadlines on your calendar |
| Ignore deductions | Review all possible claims |
| Enter incorrect income | Double check against your IRP5 |
| Delete documents too soon | Keep records for at least five years |
Bonus Tips for a Smooth Filing
Start early : Don’t wait until the last deadline.
Use SARS’s Help Guides : The eFiling portal includes useful tooltips and FAQs.
Save your work often : Avoid losing progress due to time out.
Check for updates : Sometime SARS changes forms or rules each year.
Consider a tax practitioner : If your return is complex, professional help can save your time and prevent errors.
Frequently Asked Questions
Q.1 : What happens if I don’t file my tax return ?
Answer : You may face penalties, interest, or a blocked tax compliance status. Always file, even if you owe nothing.
Q.2 : How long does SARS take to process a refund ?
Answer : Normally within 1 to 3 weeks after your return is assessed and verified.
Q.3 : Can I correct any mistake after submitting ?
Answer : Yes, you can login into eFiling, request for a correction and submit the revised return.
Q.4 : Do I need to file if I only earn one salary ?
Answer : If you’ve been auto assessed and agree with it, you may not need to file but still it’s wise to check your eFiling profile.
Q.5 : How do I know if my return was accepted ?
Answer : SARS will issue an ITA34 assessment notice confirming the conclusions.
