Time is running out; there are just three days left to file your tax return before the Monday deadline. SARS (South African Revenue Service) has processed millions of returns this season, but many taxpayers have yet to submit. If you don’t file by 20 October 2025, you risk penalties, interest charges, and even legal action. Tax specialists warn that leaving it to the last minute could lead to costly mistakes, so it’s crucial to act now and avoid rushing.
The Deadline Is 20 October 2025
SARS has confirmed that 20 October 2025 is the final date for non-provisional taxpayers to submit their tax returns. Filing season opened on 21 July 2025, following the auto-assessment period from 7 to 20 July.
By mid-October, over 7.9 million returns had already been filed, but around 854,000 taxpayers were yet to file.
SARS Commissioner Edward Kieswetter has urged taxpayers not to wait until the last minute. He highlighted the improvements in eFiling, the SARS MobiApp, and auto-assessments, which make the process faster and simpler.
Important note for provisional taxpayers: They have until 19 January 2026 to file their returns.
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What Happens If You Miss the Deadline?
Failing to submit your tax return by the deadline comes with serious consequences. It’s a legal offence, and SARS applies the following penalties:
- Administrative penalties ranging from R250 to R16,000 per month, depending on taxable income.
- Interest charges on any outstanding tax, which can quickly add up.
- Possible prosecution for repeat offenders or those who intentionally fail to comply.
SARS has also introduced debt relief options for taxpayers who are struggling financially, offering a chance to settle debts fairly while staying compliant.
Why Freelancers and Creatives Need to Act Now
Tax specialist Sesethu Cekeshe warns that freelancers, digital content creators, and South Africans working abroad are at a high risk of non-compliance. Many mistakenly think their income, especially from irregular or “free” sources, doesn’t need to be declared.
Creative Income Is Taxable
Cekeshe explains that all types of income from acting, music, sponsored posts, brand partnerships, free products, and even travel expenses must be declared under the Income Tax Act.
Here’s what you need to do:
- Register as a taxpayer with SARS.
- Declare all income, whether cash, gifts, or freebies.
- Track your expenses like equipment, software, travel, and internet costs.
- File your tax return on time to avoid penalties and interest.
“Treat your creative work like a legitimate business,” says Cekeshe. “Failing to declare your income or ignoring SARS can harm your career and finances in the long run.”
The Benefits of Filing Early
Filing early has its advantages. For those who file on time, SARS processes refunds within 72 hours if the auto-assessment is accepted and banking details are correct. This helps avoid the rush as the deadline approaches.
Filing early also gives you time to fix any errors, such as:
- Incorrect banking details.
- Missing IRP5 certificates.
- Undeclared income from side gigs or freelance work.
By filing now, you not only avoid penalties but also ensure your refund is processed faster.
Why Tax Compliance Matters
Tax compliance is not just about avoiding penalties, it’s a civic duty. As Cekeshe points out, tax revenue is crucial for funding schools, hospitals, roads, and social support programmes.
When some people don’t comply, it creates an unfair system where others have to pick up the slack. SARS Commissioner Kieswetter echoed this, saying that non-compliance undermines South Africa’s collective progress.
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How to File Your Tax Return Before Monday’s Deadline
Here’s how to file your tax return before the Monday deadline:
- Log in to SARS eFiling or the MobiApp.
- Review your auto-assessment and accept if everything looks correct. Make adjustments if needed.
- Update your personal details, especially your banking information, to avoid delays.
- Gather your documents, including your IRP5, proof of medical expenses, retirement fund certificates, and any receipts for business expenses.
- Submit your return and make sure any tax due is paid before Monday.
If you’re unsure about the process, a registered tax practitioner can help you navigate the system and prevent errors.
A Final Reminder: Don’t Leave It Until the Last Minute
Leaving your tax return to the last day puts you at risk of system overloads, mistakes, and missed deadlines. With only three days left, the safest option is to file your return today.
By filing early, you avoid penalties, speed up your refund, and stay compliant with South Africa’s tax laws. Filing your tax return on time is not only a legal requirement but also a step toward a stronger, more fair South Africa.
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