Personal tax · PDF
Personal tax return checklist
Every document you need to file an individual return. Five pages, free. Download the five-page checklist.
Resources
Free downloads, guides and working files.
Templates, checklists and calculators we use with South African owner-managed businesses — plus our tax deadline calendar, our rates and tax tables page with its transfer duty and income tax calculators, and written insights. No charge.
01 · Free downloads
Take what’s useful.
Personal tax
02 · Free calculators
Work it out yourself.
Employee or contractor?
A worker wants to invoice you instead of going on the payroll. Tick what applies and see the SARS PAYE test and the labour-law test side by side, with the reason for each step. Free, and nothing you enter leaves your browser.
VAT deregistration calculator
Should you deregister under the new R2,3 million threshold — and what will the once-off exit VAT cost? Work it out asset by asset, with a completed VAT123e proof. Free, and nothing you enter leaves your browser.
Personal income tax calculator
Work out what you will actually pay, on the official SARS tables — salary, retirement contributions, local interest, medical aid, section 18A donations and age, with the calculation shown line by line. Every figure can be entered per month or per year. An estimate, not a filing, and it does not cover travel allowances or capital gains.
Fee impact calculator
Five numbers decide the outcome: a monthly amount, an annual increase, a growth rate, a term, and the annual cost of holding the money — and what seven different cost levels do to the answer over forty years. It names no product or provider, and it is not advice.
03 · Guides & insights
Read before you download.
South African tax deadline calendar
Monthly, provisional and annual SARS, CIPC and COIDA dates — with what it costs to miss each one.
Insights
Practical writing on accounting, advisory and AI in South African business.
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