How it works
From statement to SARS, in one afternoon.
Three steps, transparent at every stage. TaxUp never auto-submits, never stores your SARS password, and deletes your statements within 24 hours of processing.
STEP // 01
Upload statements
PDF statements from any of 8 SA banks.
STEP // 02
We parse them
Transactions extracted. Encrypted at rest.
STEP // 03
Categorise against SARS
Every line mapped to a SARS chart of accounts.
STEP // 04
You review uncertain items
Confidence below 70% goes to your queue.
STEP // 05
Ready for SARS
12 pre-submission checks. Submit when you tap.
Or skip the steps entirely
Autopilot: forward once, approve later.
Settled Auto adds a unique forwarding address to your account. Set up a one-time filter in Gmail or Outlook so each bank's monthly statement lands there the moment your bank sends it. We capture, parse, and categorise every transaction on arrival.
When SARS comes knocking (once at P1 in August, again at ITR12 in October, finally at P2 in February), we send a notification with a single-use review link. Tap it, review, approve. Three moments a year.
153 statements captured across the year. You act 3 times (P1, ITR12, P2) for as long as it takes to read a notification.
Manual tiers
Or do it yourself in three steps.
Personal, Business, and Firm tiers use the same engine on your schedule. Upload statements when you're ready, confirm what we sorted, then submit.
Step 1 · Upload
Drop in your bank statements.
We accept PDF statements from the eight major South African banks: FNB, Standard Bank, Nedbank, Absa, Capitec, Investec, TymeBank, and Discovery Bank.
Each PDF is parsed in seconds. We extract every transaction, the running balance, and the statement period. We don't need bank logins, screen-scraping bots, or open-banking integrations . Just the statement you can already download from your banking app.
PDFs are encrypted at rest in Cloudflare R2 (Johannesburg region) and deleted within 24 hours of successful parsing.
STATEMENTS // UPLOAD
Drop in this month's PDFs.
Drag PDF statements here.
FNB, Standard Bank, Nedbank, Absa, Capitec, Investec, TymeBank, Discovery.
QUEUE · 3 FILES
FNB-business-feb-2026.pdf
284 KB
Parsed · 47 txnsStandard-Bank-jan-2026.pdf
412 KB
Parsed · 47 txnsCapitec-statement-2026.pdf
198 KB
Parsing · 73%
Step 2 · Categorise
Anthropic Claude does the boring bit. You confirm the edge cases.
Every transaction is categorised against a SARS-aligned chart of accounts. High-confidence categorisations are auto-applied. Anything Claude isn't sure about goes to a one-tap confirm screen.
Once you correct a categorisation, TaxUp learns the rule. Same vendor next month, same category. You can also write your own rules ("anything from Vodacom is communications") that override Claude.
Nothing leaves your account. We never auto-submit a return.
TRANSACTIONS // FEB 2026
47 entries
| Date | Description | Category | Source | Amount |
|---|---|---|---|---|
| 27 Feb | Invoice 2402 · BlueDot | Income | AI | +R 7,500.00 |
| 26 Feb | Takealot | Office | Rule | −R 412.50 |
| 26 Feb | Vodacom | Comms | Rule | −R 199.00 |
| 25 Feb | Discovery Health | Medical | Review | −R 3,247.00 |
| 24 Feb | Invoice 2401 · Acme | Income | AI | +R 14,200.00 |
| 23 Feb | Uber business | Travel | AI | −R 87.30 |
| 22 Feb | Steers Sea Point | Personal | You | −R 124.00 |
| 21 Feb | Microsoft 365 | Software | AI | −R 309.00 |
A FEW MINUTES, NOT A FULL DAY //
The work that used to take a weekend now takes the time it takes to scroll through a coffee. We surface the items that need you. The rest is handled.
Step 3 · Submit
Validated, then submitted to SARS.
Every return passes a twelve-check validation pass before it can be submitted: missing fields, duplicates, abnormal year-on-year variance, deduction ratios out of normal ranges, and a defensive re-calculation of the tax liability.
Hard fails block submission entirely. Soft flags (first-time filers, large refunds, big YoY changes) get escalated for human review before SARS sees them.
We submit through the SARS eFiling channels supported for our practitioner. Your SARS password is never asked for, never stored, never sent.
REVIEW // IRP6 PERIOD 2
February 2026
CALCULATION
- Gross incomeR 184,200.00
- Less: Allowable deductions−R 28,940.00
- Taxable incomeR 155,260.00
- Tax before rebatesR 30,952.00
- Less: Primary rebate−R 17,235.00
- Tax payable for the yearR 13,717.00
- Period 2 estimate60% of annual liabilityR 14,387.20
Edge cases
What happens when things aren't clean.
Low-confidence categorisations
Anything Claude flags below the confidence threshold goes to a one-tap user confirmation. Never auto-submitted.
Year-on-year variance >40%
Your return is held for human review before submission. We email you when it's released.
First-time provisional filer
We slow down. Extra explanations, an optional 30-minute consult add-on, and a manual sign-off step.
SARS rejects a return
We diagnose the rejection reason, walk you through the fix, and resubmit at no extra charge.
Statement won't parse
Most failures are scanned PDFs. We tell you which page failed and let you re-upload a digital copy.
Refund over R50,000
Held for verification. SARS scrutinises large refunds; we make sure the supporting calculation is airtight first.
Ready when you are.
Create your account in under a minute. Pick a plan, file your next return with TaxUp.