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For property owners

Rental income and property costs, sorted the way SARS expects.

Rental income, levies, maintenance and interest, sorted the way SARS expects. Snap the plumber's invoice the day it arrives and Mali-X files it under the right property expense.

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Property: total expenses R 8 404.34, estimated Mali-back R 2 353.22Pipework & Cables L.J.I Electrical, Repairs & maintenance, R 7 524.00Q-electronic solutions, Other property expenses, R 588.00

What Mali-X tracks

Every rand in, every rand out.

Your Property profile keeps its own totals and its own estimated Mali-back, separate from your personal deductions.

  • Rental income
  • Levies
  • Rates and taxes
  • Bond interest
  • Repairs & maintenance
  • Insurance
  • Letting agent fees
  • Other property expenses
  • Home office

The rules, in plain language

Renting out property? Here is what counts.

  1. 01

    What can I deduct from rental income?

    Expenses you incur to earn the rent: rates and taxes, levies, interest on your bond (not the capital repayments), repairs and maintenance, insurance, letting agent fees and advertising. If you let out only part of your home, claim the matching share.

  2. 02

    Repairs or improvements: what's the difference?

    Repairs that restore the property to its previous condition are deductible in the year you pay for them. Improvements that add something new, such as an extra room, are capital costs. They are not deductible against rent, but they can count towards your base cost when you sell. Keep the invoice either way.

  3. 03

    Do I pay provisional tax on rental income?

    Usually, yes. If your rental and other non-salary income is more than R30 000 a year, you are generally a provisional taxpayer, with payments due by the end of August and the end of February. Provisional taxpayers have until 22 January 2027 to file their 2026 return.

  4. 04

    What if my rental makes a loss?

    A rental loss can usually be set off against your other income, such as your salary. Ring-fencing rules can apply to some higher earners who make losses year after year, so a clean record of every expense matters.

One app, three profiles

Personal and business deductions too.

Individuals

Medical bills, donations, retirement contributions - the deductions most people miss.

See individual deductions
Mali-X Individual card: total expenses R 13 263.44, estimated Mali-back R 1 038.31

Business

Equipment, marketing and travel, itemised and ready for provisional tax.

See business deductions
Mali-X Business card: total expenses R 226.51, estimated Mali-back R 61.16

Get your Mali-back.

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