Tax & Savings Guides
Make the most of tax season and your savings. Guides to SARS tax refunds, tax year-end, tax-free savings accounts, the two-pot retirement system, claiming UIF, tax clearance and writing a will. Clear steps and deadlines help you keep more of your money, plan ahead and avoid costly mistakes with SARS and your retirement savings in South Africa.
8 guides
To write a will in South Africa that is valid, put it in writing and sign it at the end in front of two or more competent witnesses who are present at the same time and also sign.
To claim UIF, gather your ID, the UI-19 form from your employer, the UI-2.8 banking form and proof that you registered as a work seeker, then apply through uFiling or at a labour centre.
Since 1 September 2024 the two-pot retirement system splits new contributions into a savings component (about one-third) and a retirement component (about two-thirds, locked until retirement).
A tax-free savings account lets you earn interest, dividends and growth without paying tax on them.
Use a SARS tax refund in this order: clear the most expensive debt, build a small emergency fund, cover a real upcoming cost such as school fees, put the rest towards a savings goal, then enjoy a planned treat.
A clearance certificate confirms that you have paid the debts in your debt review.
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