JanFinZA
Smart Finance & SARS OCR
Smart AI Multimodal OCR Engine · South Africa 🇿🇦

Turn Crumpled Slips Into Clean SARS Tax Deductions

The automated receipt scanning and finance tracker built specifically for South African freelancers, contractors, and small businesses. Instant 15% VAT breakdown, budget controls, and seamless payments via Capitec Pay, Payfast, and Yoco.

No Credit Card Required
SARS Section 11(a) Compliant
Capitec Pay & Instant EFT
janfin.co.za/live-ledger
Live Demo
AI OCR Extraction100% Accurate
MerchantEngen 1-Stop Midrand
Total (ZAR)R850.00
15% VATR110.87
CategoryVehicle / Fuel
Tax Tag: Section 11(a)100% Deductible
Monthly Cash FlowJuly 2026
Total IncomeR48,500.00
Expenses LoggedR14,230.50
Net RetainedR34,269.50

42% of monthly budget used

Safe: R10,769 under ceiling limit
SARS Audit PackReady
Tax DeductionsR6,420.00
Total VAT ClaimableR1,854.20

Complies with SARS 5-year digital slip retention rules.

Supported South African Banking & Payment Gateways

Capitec Pay
Payfast Instant EFT
Paystack Card & Debits
Yoco (Once-Off Packs)
FNB · Nedbank · Standard Bank · Absa
Engineered For South Africa

Everything You Need to Stop Losing Money on Slips

Standard bookkeeping apps ignore local tax codes. JanFin is built from the ground up for South African tax deductibility, ZAR formatting, and local banking flows.

Multimodal AI OCR Scanner

Take a quick photo or drop a PDF invoice. Our AI accurately parses damaged paper receipts, till slips, and digital invoices in seconds without manual entry.

Automatic 15% VAT Separation

Extracts inclusive and exclusive 15% South African VAT amounts automatically, so you can claim back every cent of input tax on your bi-monthly VAT201 returns.

SARS Deductibility Evaluator

Evaluates each expense under Section 11(a), Section 12B, and Section 18A to calculate legal tax savings and flag non-deductible personal expenses.

Capitec Pay & Instant EFT

Upgrade seamlessly using Capitec Pay mobile push authorizations, Payfast Instant EFT, or recurring monthly card subscriptions without friction.

Real-Time ZAR Budget Controls

Set monthly spending ceilings across 12 smart categories (Vehicle, Home Office, Software, Equipment) and receive visual alerts before you overspend.

Cloud Sync & Google Auth

Back up your entire ledger to secure Firestore cloud storage. Switch between mobile phone and desktop browser seamlessly with Google Sign-In.

Simple 3-Step Workflow

From Receipt to Tax-Ready in 10 Seconds

1

Snap or Upload Receipt

Use your smartphone camera or drag and drop any PDF receipt directly onto JanFin.

2

AI Parses Total & VAT

Gemini AI extracts the vendor, line items, 15% VAT breakdown, and classifies the tax category.

3

1-Click SARS Tax Export

Download a clean, audit-proof PDF schedule to submit directly on SARS eFiling or give to your tax practitioner.

Comparison

Why South Africans Love JanFin

Swipe sideways to view full comparison →
CapabilityShoebox & ExcelOverseas Apps ($20+/mo)JanFin (R39/mo)
AI Receipt OCR❌ Manual typing⚠️ USD/EUR bias✅ Multimodal Gemini AI
SARS 15% VAT Calculation❌ Manual formulas❌ US Sales Tax only✅ Built-in 15% VAT Tagging
Capitec Pay & Instant EFT❌ None❌ US Credit cards only✅ Capitec, Payfast & Yoco
No-Subscription Once-Off PacksN/A❌ Expensive locks✅ From R29 once-off
SARS 5-Year Audit Storage❌ Slips fade away⚠️ Generic cloud✅ Secure Cloud Backup
Simple, Transparent Pricing in ZAR

Pay Your Way: Monthly or Once-Off Packs

No hidden international exchange fees. Billed in South African Rands with VAT invoices.

Free Tier
R0/ forever

Perfect for casual spend tracking and testing.

5 Free AI Receipt Scans / Month
Unlimited Manual Transactions
Monthly ZAR Budgeting Ceilings
Google Sign-In & Cloud Sync
Most Popular for Freelancers
JanFin Pro
R39/ month

Ideal for self-employed, contractors & sole props.

Unlimited AI Multimodal Receipt Scans
1-Click SARS Audit Pack PDF Export
15% Input VAT Claim Calculations
Section 11(a) Tax Deductibility Tags
Capitec Pay & Payfast Instant EFT
Business Suite
R99/ month

For SMEs, Pty Ltd companies & tax accountants.

Everything in Pro
Multi-Company / Entity Support
Client Account Management Portal
Priority Support & Tax Practitioner Sync
Got Questions?

Frequently Asked Questions

Yes! JanFin natively supports Capitec Pay with instant phone number push notifications, as well as Payfast Instant EFT across all South African banks (Capitec, FNB, Standard Bank, Nedbank, Absa, Discovery Bank, and TymeBank) and card payments via Paystack and Yoco.

Ready to Stop Losing Money to Lost Tax Receipts?

Join thousands of South Africans using JanFin to claim back legal tax deductions and track every Rand with AI.