FULL REPORT
Your ₹999 + GST report includes 11 sections:

• Old vs New Regime comparison with exact tax payable
• Tax Health Score (0–100) with reasoning
• Deduction gap analysis — 80C, NPS, 80D with amounts
• ELSS SIP recommendation with 3/5/10/20-year wealth projection
• Insurance adequacy — health cover and term cover gap
• Home loan tax benefits (Section 24b)
• ITR Computation Sheet — full Schedule-wise (income, deductions, tax, TDS, net payable/refund)
• ITR Form applicability (ITR-1/2/3) + document checklist
• Personalized 30-day action plan from Claude AI
• Tax Saving Quotation Summary table
• Important dates and disclaimer

Delivered as a multi-page PDF by our advisor within 24 hours.

The Tax Health Score (0–100) measures how well you are utilizing available tax-saving options:

• 40 base points — everyone starts here
• +30 points — proportional to 80C utilization (₹1.5L = full 30 points)
• +10 points — if you have health insurance (80D)
• +10 points — if you have term insurance cover
• +10 points — if you invest in NPS (80CCD(1B))

Score interpretation: 90–100 Excellent | 75–89 Good | 60–74 Average | Below 60 Needs Improvement. The report explains exactly what to do to raise your score.

ELSS (Equity Linked Saving Scheme) funds save tax under 80C and simultaneously grow your wealth. The report shows:

• Your 80C gap — how much more you can invest under Section 80C
• Recommended monthly SIP amount to fill the gap
• Projected corpus at 8%, 10%, 12%, and 15% annual returns for 3, 5, 10, and 20 years
• Immediate tax saving from the ELSS investment

Example: ₹5,000/month ELSS SIP for 10 years at 12% = ₹11.6 Lakhs corpus + immediate tax saving of ₹18,720/year. Projections are illustrative; actual returns vary.

This report is for financial planning and educational purposes — it is not a CA-certified document and cannot be submitted to Income Tax authorities directly.

However, it gives you an accurate computation that you can use to:

• Decide which regime to choose before giving declaration to your employer
• Know exactly how much advance tax to pay (to avoid interest u/s 234B/C)
• Prepare data before visiting a CA or using the official ITR filing portal
• Understand exactly what documents to collect before filing

For formal ITR filing, use the data from this report on the official incometax.gov.in portal.

FY 2025-26
The New Regime is now the default. It has lower slab rates but doesn't allow most deductions (no 80C, no 80D, no home loan interest u/s 24b). However, it allows:

• Standard Deduction of ₹75,000 (for salaried)
• 87A Rebate — zero tax if income ≤ ₹7 Lakhs
• NPS employer contribution 80CCD(2) is still allowed

The Old Regime is better if your total deductions exceed approximately ₹3.75 Lakhs (80C + NPS + home loan + 80D combined).

Our report calculates exact figures for both and recommends the one that saves you more money — with a badge showing how much you save by choosing right.

Maximum possible deductions under Old Regime:

• Section 80C — up to ₹1,50,000 → saves up to ₹46,800 (at 30% + 4% cess)
• 80CCD(1B) — NPS — additional ₹50,000 → saves up to ₹15,600
• Section 80D — health insurance up to ₹50,000 → saves up to ₹15,600
• Section 24(b) — home loan interest up to ₹2,00,000 → saves up to ₹62,400
• Standard Deduction — ₹50,000 → saves up to ₹15,600

Total potential annual saving: ₹1,56,000+ for someone in the 30% tax bracket with all deductions maxed. Your report shows the exact saving based on your actual numbers.

The live calculator uses exact FY 2025-26 tax slabs from the Finance Act, including:

• New Regime slabs: 0% / 5% / 10% / 15% / 20% / 30%
• Old Regime slabs with senior citizen variations (60+, 80+)
• Section 87A rebate (zero tax if income ≤ ₹7L new / ₹5L old)
• Surcharge for income above ₹50L, ₹1Cr, ₹2Cr
• 4% Health & Education Cess
• All deduction limits (80C ₹1.5L, NPS ₹50K, 80D ₹25K/₹50K, 24b ₹2L, 80TTA ₹10K)

The calculator is highly accurate for standard cases. Tax laws auto-update annually via Claude AI so limits stay current.

Home loans give you two separate tax benefits under the Old Regime:

• Principal repayment → Section 80C (within ₹1.5L limit)
• Interest paid → Section 24(b) up to ₹2 Lakh/year (for self-occupied property)

For let-out property, there is no ₹2L cap on interest — full interest is deductible from rental income. Enter your interest paid (from your bank's loan statement) in Screen 3 of the form — the calculator will show you the exact tax saving on interest.

Note: Home loan benefits are not available under the New Regime (except principal in 80C, which is also not allowed).

We accept all major payment methods via Razorpay (India's leading payment gateway):

• 💳 Credit cards & Debit cards (Visa, Mastercard, RuPay)
• 📱 UPI — Google Pay, PhonePe, Paytm, BHIM, any UPI app
• 🏦 Net Banking — all major banks
• 💰 Wallets — Paytm, Mobikwik, etc.

Razorpay is PCI-DSS Level 1 compliant with 256-bit SSL encryption. We never see or store your card/bank details. A GST invoice (GSTIN: 36AEIPR0022H1ZR) is emailed to you automatically.

This is very unlikely, but if it happens:

• Your payment ID is displayed on the success screen — save it
• A confirmation email is sent to your registered email address
• WhatsApp us at 8555925281 with your payment ID — we'll generate and send your report within 2 hours
• If payment was deducted but not confirmed, it auto-refunds within 5–7 working days via Razorpay

We guarantee report delivery for every successful payment. Zero risk.

Yes. A GST-compliant invoice is automatically emailed to you after payment:

• Report fee: ₹999 (or current applicable amount)
• GST @ 18%: ₹89.82
• Total: ₹1,178.82
• GSTIN: 36AEIPR0022H1ZR

If you're a business owner or self-employed professional, you may be able to claim this as a professional advisory expense. Consult your CA for confirmation on your specific situation.

Since the AI Tax Report is a digital personalized service generated immediately after payment, we generally do not offer refunds once the report is delivered.

However, we will issue a full refund if:

• Payment was deducted but report was not delivered within 24 hours
• There is a technical error that prevents report generation
• Duplicate payment was made by mistake

Refund requests: WhatsApp 8555925281 with payment ID within 48 hours. Refunds credited within 5–7 working days.

Screen 5 is a free ITR computation preview — exclusive to this form. It shows:

• Full Schedule-wise income breakdown (salary, business, rental, CG, other)
• All deductions claimed (Section-wise with legal limits)
• Tax computation with 87A rebate, surcharge, and cess
• TDS already deducted (enter from Form 16 / 26AS)
• Net tax payable or refund amount
• ITR Form applicability (ITR-1, ITR-2, or ITR-3)
• Document checklist with readiness score

Enter your TDS figures from Form 16 / 26AS to see the exact payable or refund amount. This data is included in your final PDF report.

TDS details are available in 3 sources:

• Form 16 Part A — from your employer. Shows TDS deducted from salary by quarter
• Form 26AS — on incometax.gov.in → My Account → View Form 26AS
• AIS / TIS — Annual Information Statement (more detailed than 26AS, same portal)

If you don't have these handy, leave Screen 5 fields as 0 and skip ahead to payment — the ITR computation will still show your total tax liability. You can provide TDS details later via WhatsApp to get an updated report.

If Net Tax Payable > ₹0, you need to pay the balance before filing ITR:

• Go to tin.tin.nsdl.com or the IT Portal → e-Pay Tax
• Select Challan 280 → Type of Payment: 300 — Self-Assessment Tax
• Enter Assessment Year 2026-27, your PAN, and the exact amount
• Pay via net banking / debit card. Save the Challan Identification Number (CIN)
• Enter this CIN in your ITR before submitting

If tax payable is > ₹10,000 and was not paid as advance tax by March, interest u/s 234B/234C applies (1%/month). Pay as early as possible to minimize interest.

Use your report data to file on the official Income Tax portal:

• Go to incometax.gov.in → Login with PAN + Aadhaar OTP
• Click File Income Tax Return → AY 2026-27 → Online
• Select the ITR form shown in your report (ITR-1, 2, or 3)
• Fill income, deductions, and TDS details using your report as reference
• Verify the pre-filled data against Form 26AS / AIS
• Submit and e-Verify using Aadhaar OTP or Net Banking

Deadline: 31 July 2026. Our advisor can guide you through the filing if needed — WhatsApp 8555925281 after you receive your report.

FULL REPORT
Your ₹999 + GST report includes 11 sections:

• Old vs New Regime comparison with exact tax payable
• Tax Health Score (0–100) with reasoning
• Deduction gap analysis — 80C, NPS, 80D with amounts
• ELSS SIP recommendation with 3/5/10/20-year wealth projection
• Insurance adequacy — health cover and term cover gap
• Home loan tax benefits (Section 24b)
• ITR Computation Sheet — full Schedule-wise (income, deductions, tax, TDS, net payable/refund)
• ITR Form applicability (ITR-1/2/3) + document checklist
• Personalized 30-day action plan from Claude AI
• Tax Saving Quotation Summary table
• Important dates and disclaimer

Delivered as a multi-page PDF by our advisor within 24 hours.

The Tax Health Score (0–100) measures how well you are utilizing available tax-saving options:

• 40 base points — everyone starts here
• +30 points — proportional to 80C utilization (₹1.5L = full 30 points)
• +10 points — if you have health insurance (80D)
• +10 points — if you have term insurance cover
• +10 points — if you invest in NPS (80CCD(1B))

Score interpretation: 90–100 Excellent | 75–89 Good | 60–74 Average | Below 60 Needs Improvement. The report explains exactly what to do to raise your score.

ELSS (Equity Linked Saving Scheme) funds save tax under 80C and simultaneously grow your wealth. The report shows:

• Your 80C gap — how much more you can invest under Section 80C
• Recommended monthly SIP amount to fill the gap
• Projected corpus at 8%, 10%, 12%, and 15% annual returns for 3, 5, 10, and 20 years
• Immediate tax saving from the ELSS investment

Example: ₹5,000/month ELSS SIP for 10 years at 12% = ₹11.6 Lakhs corpus + immediate tax saving of ₹18,720/year. Projections are illustrative; actual returns vary.

This report is for financial planning and educational purposes — it is not a CA-certified document and cannot be submitted to Income Tax authorities directly.

However, it gives you an accurate computation that you can use to:

• Decide which regime to choose before giving declaration to your employer
• Know exactly how much advance tax to pay (to avoid interest u/s 234B/C)
• Prepare data before visiting a CA or using the official ITR filing portal
• Understand exactly what documents to collect before filing

For formal ITR filing, use the data from this report on the official incometax.gov.in portal.

FY 2025-26
The New Regime is now the default. It has lower slab rates but doesn't allow most deductions (no 80C, no 80D, no home loan interest u/s 24b). However, it allows:

• Standard Deduction of ₹75,000 (for salaried)
• 87A Rebate — zero tax if income ≤ ₹7 Lakhs
• NPS employer contribution 80CCD(2) is still allowed

The Old Regime is better if your total deductions exceed approximately ₹3.75 Lakhs (80C + NPS + home loan + 80D combined).

Our report calculates exact figures for both and recommends the one that saves you more money — with a badge showing how much you save by choosing right.

Maximum possible deductions under Old Regime:

• Section 80C — up to ₹1,50,000 → saves up to ₹46,800 (at 30% + 4% cess)
• 80CCD(1B) — NPS — additional ₹50,000 → saves up to ₹15,600
• Section 80D — health insurance up to ₹50,000 → saves up to ₹15,600
• Section 24(b) — home loan interest up to ₹2,00,000 → saves up to ₹62,400
• Standard Deduction — ₹50,000 → saves up to ₹15,600

Total potential annual saving: ₹1,56,000+ for someone in the 30% tax bracket with all deductions maxed. Your report shows the exact saving based on your actual numbers.

The live calculator uses exact FY 2025-26 tax slabs from the Finance Act, including:

• New Regime slabs: 0% / 5% / 10% / 15% / 20% / 30%
• Old Regime slabs with senior citizen variations (60+, 80+)
• Section 87A rebate (zero tax if income ≤ ₹7L new / ₹5L old)
• Surcharge for income above ₹50L, ₹1Cr, ₹2Cr
• 4% Health & Education Cess
• All deduction limits (80C ₹1.5L, NPS ₹50K, 80D ₹25K/₹50K, 24b ₹2L, 80TTA ₹10K)

The calculator is highly accurate for standard cases. Tax laws auto-update annually via Claude AI so limits stay current.

Home loans give you two separate tax benefits under the Old Regime:

• Principal repayment → Section 80C (within ₹1.5L limit)
• Interest paid → Section 24(b) up to ₹2 Lakh/year (for self-occupied property)

For let-out property, there is no ₹2L cap on interest — full interest is deductible from rental income. Enter your interest paid (from your bank's loan statement) in Screen 3 of the form — the calculator will show you the exact tax saving on interest.

Note: Home loan benefits are not available under the New Regime (except principal in 80C, which is also not allowed).

We accept all major payment methods via Razorpay (India's leading payment gateway):

• 💳 Credit cards & Debit cards (Visa, Mastercard, RuPay)
• 📱 UPI — Google Pay, PhonePe, Paytm, BHIM, any UPI app
• 🏦 Net Banking — all major banks
• 💰 Wallets — Paytm, Mobikwik, etc.

Razorpay is PCI-DSS Level 1 compliant with 256-bit SSL encryption. We never see or store your card/bank details. A GST invoice (GSTIN: 36AEIPR0022H1ZR) is emailed to you automatically.

This is very unlikely, but if it happens:

• Your payment ID is displayed on the success screen — save it
• A confirmation email is sent to your registered email address
• WhatsApp us at 8555925281 with your payment ID — we'll generate and send your report within 2 hours
• If payment was deducted but not confirmed, it auto-refunds within 5–7 working days via Razorpay

We guarantee report delivery for every successful payment. Zero risk.

Yes. A GST-compliant invoice is automatically emailed to you after payment:

• Report fee: ₹999 (or current applicable amount)
• GST @ 18%: ₹89.82
• Total: ₹1,178.82
• GSTIN: 36AEIPR0022H1ZR

If you're a business owner or self-employed professional, you may be able to claim this as a professional advisory expense. Consult your CA for confirmation on your specific situation.

Since the AI Tax Report is a digital personalized service generated immediately after payment, we generally do not offer refunds once the report is delivered.

However, we will issue a full refund if:

• Payment was deducted but report was not delivered within 24 hours
• There is a technical error that prevents report generation
• Duplicate payment was made by mistake

Refund requests: WhatsApp 8555925281 with payment ID within 48 hours. Refunds credited within 5–7 working days.

Screen 5 is a free ITR computation preview — exclusive to this form. It shows:

• Full Schedule-wise income breakdown (salary, business, rental, CG, other)
• All deductions claimed (Section-wise with legal limits)
• Tax computation with 87A rebate, surcharge, and cess
• TDS already deducted (enter from Form 16 / 26AS)
• Net tax payable or refund amount
• ITR Form applicability (ITR-1, ITR-2, or ITR-3)
• Document checklist with readiness score

Enter your TDS figures from Form 16 / 26AS to see the exact payable or refund amount. This data is included in your final PDF report.

TDS details are available in 3 sources:

• Form 16 Part A — from your employer. Shows TDS deducted from salary by quarter
• Form 26AS — on incometax.gov.in → My Account → View Form 26AS
• AIS / TIS — Annual Information Statement (more detailed than 26AS, same portal)

If you don't have these handy, leave Screen 5 fields as 0 and skip ahead to payment — the ITR computation will still show your total tax liability. You can provide TDS details later via WhatsApp to get an updated report.

If Net Tax Payable > ₹0, you need to pay the balance before filing ITR:

• Go to tin.tin.nsdl.com or the IT Portal → e-Pay Tax
• Select Challan 280 → Type of Payment: 300 — Self-Assessment Tax
• Enter Assessment Year 2026-27, your PAN, and the exact amount
• Pay via net banking / debit card. Save the Challan Identification Number (CIN)
• Enter this CIN in your ITR before submitting

If tax payable is > ₹10,000 and was not paid as advance tax by March, interest u/s 234B/234C applies (1%/month). Pay as early as possible to minimize interest.

Use your report data to file on the official Income Tax portal:

• Go to incometax.gov.in → Login with PAN + Aadhaar OTP
• Click File Income Tax Return → AY 2026-27 → Online
• Select the ITR form shown in your report (ITR-1, 2, or 3)
• Fill income, deductions, and TDS details using your report as reference
• Verify the pre-filled data against Form 26AS / AIS
• Submit and e-Verify using Aadhaar OTP or Net Banking

Deadline: 31 July 2026. Our advisor can guide you through the filing if needed — WhatsApp 8555925281 after you receive your report.