Zuko Komisa

As South Africa’s tax filing season is in full swing, many taxpayers are seeking ways to navigate the complexities and legally maximise their benefits.
It’s not just about compliance; it’s about understanding how various tax mechanisms can work in your favour.
In South Africa, individuals employ several strategies to legally reduce their tax liability during filing season.
A primary method involves contributing to retirement annuities (RAs), pensions, or provident funds, as contributions of up to 27.5% of taxable income (capped at R350 000 annually) are tax-deductible.
Many also leverage Tax-Free Savings Accounts (TFSAs), where all returns – including interest, dividends, and capital gains – are exempt from tax, provided contributions remain within the annual limit (currently R36 000) and lifetime limit (R500 000).
Medical expenses also offer relief, with fixed medical tax credits for contributions to registered medical schemes, and an Additional Medical Expenses Tax Credit for qualifying out-of-pocket expenses exceeding certain thresholds.
Important Dates
📢Filing Season kicks off 21 July 2025. Know your Filing Season Dates and get ready. https://t.co/eNv9fqGzlg #YourTaxMatters, so does your time. pic.twitter.com/IN93350lX5
— SA Revenue Service (@sarstax) July 8, 2025
For further insightful guidance on this, you can listen to a recent conversation on Kaya Biz with Gugulethu Mfuphi, featuring Roxanna Naidoo, Head of Global Strategy at Latita Africa.
In this discussion, Naidoo unpacks key strategies and clarifies how taxpayers can leverage available tax mechanisms for their personal financial benefit.
Listen to the conversation here:
READ NEXT: Caster Semenya wins appeal at European Court of Human Rights


