Questions, answered.

A provisional return (IRP6) is an estimate you submit twice a year — at the end of August (period 1) and end of February (period 2). You pay an estimate of what you'll owe for the year.

A final return (ITR12 for individuals, ITR14 for companies) is the actual annual return. SARS reconciles what you paid provisionally against what you actually owe based on your real income and deductions, and refunds or charges you the difference. autotax files all of these.

FNB, Standard Bank, Nedbank, Absa, Capitec, Investec, TymeBank, and Discovery Bank. We accept the PDF statements you can download from your banking app — no logins, no screen-scraping, no open-banking integration.

No. autotax is built for income tax — IRP6, ITR12, and ITR14. VAT, payroll (EMP201/501), trust returns (ITR12T), and multi-employee company returns are deliberately out of scope. If you need any of these, autotax isn't the right fit yet.

No native app. The web app is mobile-responsive and works on any modern phone browser. We made the trade-off deliberately: a single, well-built web surface beats a half-baked iOS-only app.

We diagnose the rejection reason, walk you through the fix, and resubmit at no extra charge. Most rejections are missing fields or format issues that the dashboard surfaces clearly. If it's a substantive correction (e.g., a deduction SARS disagrees with), we explain your options — accept, dispute, or schedule a practitioner consult.

Always. Every transaction is editable — you can re-categorise any line with one tap. autotax learns the rule the first time you correct it: same vendor next month, same category. You can also write your own rules that always override the AI ("anything from Vodacom is communications").

For a typical freelancer with one bank account: under 30 minutes from first upload to a submitted return. The slowest step is usually you confirming the handful of low-confidence categorisations.

PDF statements: deleted automatically 24 hours after a successful parse, enforced both by the storage lifecycle rule and an explicit cleanup job.

Derived transactions, categorisations, and submissions: kept for the full 5-year SARS retention period because you need them if SARS audits. They're encrypted at the column level and stay in Johannesburg.

You can request export or deletion of your account data at any time via contact@2ko.co.za.

Yes. Postgres on Fly.io Johannesburg, Cloudflare R2 with the JNB region, Sentry-EU for error monitoring (PII-scrubbed). Some queue metadata (no PII) may touch other regions during processing. The full breakdown is on the security page.

We use Anthropic Claude for transaction categorisation only. Anthropic does not train on data sent through their commercial API. We don't send PII (account numbers, ID numbers, names) — only the transaction descriptions and amounts needed to categorise.

Tax is annual. A monthly subscription would either incentivise us to drag features out across twelve payments or expose you to mid-year cancellations that leave returns half-filed. Once we're past MVP we'll add monthly for people who genuinely want it; for now, annual matches the work.

Yes — and we slow down for first-timers. Extra explanations during onboarding, the option of a 30-minute practitioner consult, and a manual sign-off step before your first submission. SARS scrutinises first-time provisional filers more, so we do too.