Tax · 8 October 2026 · 4 min read · By Rand & Rule
Build a tax buffer month by month
A simple system to set money aside from every payment so provisional tax and VAT never catch a South African freelancer off guard.
Open a separate account
A second account you don't touch makes the buffer visible — and hard to spend.
Move a fixed share on payday
The Starter Kit uses 28% of each payment as a savings buffer. Adjust it as your income becomes clearer.
Review monthly
- Total income this month
- Expenses with receipts
- Tax buffer balance vs expected IRP6
- Overdue invoices
General information only, not tax or legal advice. Confirm your situation with a registered tax practitioner or attorney.