Common Pitfalls to Avoid During the SARS 2025 Tax Season

Don’t Let Tax Season Trip You Up — Learn the Most Frequent SARS Filing Mistakes and How to Avoid Them in 2025

It’s that time of year again — when the words “tax season” stir dread in the hearts of many South Africans. But while submitting your SARS return can feel overwhelming, it doesn’t have to be a financial horror story. With the 2025 tax season already underway, understanding common pitfalls can save you time, money, and stress.

Thinking You’re Off the Hook — When You’re Not

One of the biggest mistakes taxpayers make is assuming they don’t need to file. Johan Werth, franchise principal and financial adviser at Consult by Momentum, categorises taxpayers into three groups: the Proactive (who get it done fast), the Procrastinator (who delays until the last minute), and the Panicker (who freezes and hopes it’ll magically disappear).

Here’s the truth: you might still need to file a return even if you earn under R500,000 annually. It all depends on your income sources and eligibility for deductions. SARS may auto-assess you — but that doesn’t mean you’re in the clear.

Key red flags that mean you should file:

• You earned more than R95,750 (under age 65) during the 2024/2025 tax year.
• You received dividends, foreign income, or capital gains.
• You have multiple income streams (e.g. salary + side hustle or rental income).
• You want to claim deductions for things like medical aid, retirement annuities, or business travel.
• You’re a provisional taxpayer (typically freelancers or sole proprietors not on PAYE).

If any of the above apply, don’t rely on the auto-assessment—log into eFiling or consult a registered tax practitioner to double-check your obligation.

Missing the SARS Deadlines

Procrastination might feel comfortable now, but it gets expensive later.

Here are the important SARS 2025 dates:

• Auto-Assessments: 7–20 July 2025
• Manual Filing (Non-Provisional Taxpayers): 21 July – 20 October 2025

Miss these deadlines and you could be hit with administrative penalties of up to R16,000. SARS can also block your ability to secure a home loan, emigrate, or even press criminal charges if you’re legally required to file but don’t.

Pro tip: Set calendar reminders now and file early. Delays can happen, especially with SARS’ eFiling system already buckling under heavy traffic.

Blindly Accepting Your Auto-Assessment

Just because SARS auto-assesses you doesn’t mean it’s right.

Many South Africans make the mistake of simply accepting their assessment without review. This is risky — SARS might not have accounted for key deductions or all income sources. You could be leaving money on the table or opening yourself up to future penalties.

Here’s what to do:

• Check the details carefully.
• If you have additional income or deductions not included, submit a manual return.
• Consult a tax practitioner if you’re unsure.

Failing to Claim Deductions You’re Entitled To

This is money back in your pocket — but only if you claim it properly. Common deductions include:

• Retirement annuity contributions
• Out-of-pocket medical expenses
• Travel allowances (with a logbook!)
• Home office expenses

To claim them:

• Ensure you have valid proof, such as certificates or receipts.
• Only claim what you’re legally eligible for — SARS will audit if something seems fishy.

Poor Document Management

If you’ve ever scrambled to find last year’s medical aid certificate, you know the pain.

Tip from the pros: Store all tax-related documents digitally — and keep them for at least five years. That includes:

• IRP5s
• Medical aid and RA certificates
• Travel logs
• Investment statements
• Receipts for deductible expenses

Using cloud storage or a secure drive can help you stay organised year-round.

Submitting Incomplete or Incorrect Information

Typos, wrong source codes, or missing details can delay your assessment or even trigger SARS audits. Always:

• Double-check your personal info
• Ensure income certificates are up to date
• Use SARS’ guided tools on eFiling for accuracy

Trying to DIY Complex Situations

If your income includes foreign earnings, crypto assets, rental income, or freelance gigs, consider working with a registered tax practitioner.

A professional can:

• Ensure you claim all deductions correctly
• Help with compliance and avoid audits
• Save you from errors that lead to penalties

SARS Filing Tips for 2025

✅ File early — don’t wait until October
✅ Check if you were auto-assessed and if the info is complete
✅ Only accept auto-assessment if it reflects all income and deductions
✅ Keep all supporting documents for at least 5 years
✅ When in doubt, consult a tax professional

Don’t Let SARS Catch You Off-Guard

Tax season doesn’t have to be a nightmare. With a little planning, attention to detail, and maybe a helping hand from a pro, you can breeze through your SARS 2025 filing. Avoiding the common mistakes above could mean more money in your pocket — and less stress in your life.

Check your SARS status, gather your docs, and file smart this season.

Also read: Should You Accept the SARS Auto-Assessment? Key Considerations Before Making a Decision