Practical tips on staying compliant, avoiding SARS penalties and building wealth the tax-smart way. Tap any image to view the full post.
Late submissions mean penalties plus interest that add up fast. Staying compliant is always cheaper than fixing a mess later. Not sure whether you have outstanding returns? Ignorance, in this case, is not bliss. Ask for a check.
Ignoring letters from SARS costs more than you think: late returns attract monthly penalties, outstanding debt accrues interest, and the longer you wait, the more you pay.
A Tax-Free Savings Account means no tax on interest, dividends or capital gains, and tax-free withdrawals. Contribute up to R36 000 a year (R500 000 lifetime). The common mistake is treating it like a normal savings account instead of a long-term growth strategy.
The deductible limit moves from R350 000 (or 27% of taxable income) in 2025/26 to R430 000 (or 27.5%) in 2026/27. Now is a good time to restructure your contributions and take advantage of the new benefits.
No changes were announced to the personal income tax brackets for 2026/27: same thresholds, same rates. With no inflation adjustment, careful planning matters even more. See the table
Take a breath. CIPC annual returns, SARS penalty assistance and late submission solutions, all handled for you. You’re one tax problem away from relief.
A final demand from SARS, outstanding returns and growing penalties. Returns were brought up to date, penalties reviewed, a payment arrangement negotiated and legal action halted.
Final demands and penalty notices are stressful, but they’re rarely the end of the road. Don’t ignore them. Let’s get you tax compliant again.
Audit protection, outstanding returns resolved, a risk assessment and a personalised action plan. Peace of mind and a clear path forward. Learn more
Rates for individuals, 2025/26 tax year. No bracket changes were announced for 2026/27.
| Taxable income (R) | Rate of tax (R) |
|---|---|
| 0 – 237 100 | 18% of taxable income |
| 237 101 – 370 500 | 42 678 + 26% of taxable income above 237 100 |
| 370 501 – 512 800 | 77 362 + 31% of taxable income above 370 500 |
| 512 801 – 673 000 | 121 475 + 36% of taxable income above 512 800 |
| 673 001 – 857 900 | 179 147 + 39% of taxable income above 673 000 |
| 857 901 – 1 817 000 | 251 258 + 41% of taxable income above 857 900 |
| 1 817 001 and above | 644 489 + 45% of taxable income above 1 817 000 |
For general information only. Rebates, thresholds and your personal circumstances affect what you actually pay. Book a free tax review