Creations · South Africa
Personal Income Tax (ITR12)
Expert filing for individuals, freelancers, and directors. We maximise your legal refunds and ensure full compliance.
What the work covers
Use this scope to identify what you need. Your proposal will confirm the services, records, reporting frequency and fees for your business.
- Completion and Submission of ITR12 Tax Return
- Review of Auto-Assessments for accuracy
- Optimisation of medical aid and retirement annuity deductions
- Submission of Logbooks for travel claims
- Dispute resolution for incorrect assessments
What to prepare
Tell us which records are available and where there are gaps. We can then distinguish ongoing work from any initial catch-up.
- IRP5/IT3a Requirements
- Medical Aid Tax Certificate
- Retirement Annuity Certificate
- Travel Logbook (if applicable)
Timing and responsibility
Timing depends on the records, approvals and work required. Tell us about any deadline at the start. The engagement should identify the person handling your work, the review responsibilities and any external specialist needed.
The Auto-Assessment Trap
SARS now 'auto-assesses' millions of taxpayers using data from banks and employers. It sounds convenient, but it's dangerous. SARS doesn't know about your home office, your extra medical expenses, or your retirement annuity top-ups.
We review every auto-assessment. In many cases, we file a correction that results in a legally significantly larger refund for the client.
- Auto-assessment review
- Deduction maximization
- Correction filing
- Refund optimization
Side Hustles & Freelancing
The 'Side Hustle' economy is huge, but many don't realize that income is taxable. If you have a full-time job and a side business, the tax interaction is complex.
We structure your return to ensure your trading expenses are deducted against your trading income, preventing you from paying tax on your *gross* side-income instead of your *net* profit.
- Trading income declaration
- Expense deduction aggregation
- Provisional tax triggers
- Profit vs Turnover tax
Crypto & Foreign Income
SARS is actively cracking down on undisclosed Cryptocurrency profits and foreign interest. They receive data from exchanges and foreign banks.
We ensure these are declared correctly (Capital Gains vs Income) to avoid the massive penalties associated with non-disclosure of offshore assets.
- Crypto asset declaration
- Capital Gains vs Income analysis
- Foreign interest disclosure
- Amnesty/VDP guidance
How the work progresses
- 01
Collection
We send you a simple checklist of documents we need (IRP5s, Medical Aid certs, etc.).
- 02
Calculation
We calculate your tax position before filing, checking if you are due a refund or need to pay in.
- 03
Filing
We submit the return to SARS via eFiling, ensuring all codes are correct to prevent verification requests.
- 04
Review
We check the ITA34 assessment issued by SARS to ensure it matches our calculation.
Questions before you start
SARS Auto-Assessed me. Do I need to do anything?
Yes! Auto-assessments often leave out deductible expenses like donations or medical credits. Accepting it blindly can cost you money. We review it first.
I earn a salary but also have a side hustle. Do I declare it?
Absolutely. All extra income (trading, freelancing, rental) must be declared. We help you deduct valid expenses against this income.
Can I claim for my home office?
Only if you meet strict criteria (dedicated room, used regularly and exclusively for trade). We assess if you qualify to avoid audit rejection.
How long until I get my refund?
If you are not selected for audit, refunds usually pay out within 72 hours of submission. If audited, it can take 21 working days.
Official guidance
Related services
Let’s define the next step.
Tell us what you need, what is outstanding and when it matters.