Lawful year-round tax planning: old vs new regime, deductions, salary structuring and investment choices to reduce tax.
Tax planning works best when it is done in April and reviewed in December, not squeezed into March. We look at your income pattern, regime choice, deductions and investments, and give you a written plan that reduces tax legally, without touching anything that could attract questions later.
Tax planning is the use of deductions, exemptions, income-splitting rules and timing that the law itself provides. It is different from tax evasion, which we never advise. For salaried people, planning mainly means picking the right regime, structuring allowances and using eligible deductions. For business owners and professionals, it also covers presumptive taxation, depreciation timing, remuneration to partners or directors, and advance tax.
The tax rules differ by year. FY 2025-26 is governed by the Income-tax Act 1961 and the Finance Act in force; from tax year 2026-27 the Income-tax Act 2025 applies with renumbered provisions. We build the plan with the current-year slabs and rebates and refresh it when a Budget changes them, so a plan from last year is never copied forward blindly.
You may need it if any of these describe you.
A side-by-side computation shows exactly what the old and new regimes cost you this year.
We map sections like 80C, 80CCD(1B), 80D, 80E, 80TTA/TTB and home-loan interest to what you already spend.
Employer-provided benefits such as NPS contribution, meal and reimbursement options are explored where your employer allows.
Harvesting capital gains within exemption limits, and the timing of sale or purchase, is planned before it happens.
Recommendations respect liquidity and risk, instead of just buying products to claim a deduction.
A checkpoint before Q3 advance tax ensures that decisions are not forced in the last week of March.
Regime choice, deductions, HRA and investments set against your payslip.
Presumptive vs regular books, depreciation, partner remuneration and advance tax cash planning.
Sale timing, set-off of losses, reinvestment options under sections 54, 54EC and 54F, where applicable.
Interest income, TDS thresholds, Form 15H/15G and health-cover deductions.
Lawful use of separate assessees, clubbing rules and gifts within family.
Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.
Plain-English notes. Always verify against the official notification.
| Section / rule / form | What it means |
|---|---|
| Section 115BAC | New tax regime as the default for individuals and HUFs; most Chapter VI-A deductions and HRA are not available in it, except those the law specifically permits (for example employer NPS contribution under 80CCD(2)). |
| Section 87A | Tax rebate for residents with income up to the limit of the regime; the limit differs between regimes and is set by the Finance Act in force. |
| Chapter VI-A (80C to 80U) | Deduction provisions available in the old regime, including 80C, 80CCD(1B), 80D, 80E, 80G and 80TTA/TTB, each with its own conditions and limits. |
| Sections 54, 54EC, 54F | Exemptions on long-term capital gains if proceeds are reinvested in specified assets within the time allowed. |
| Section 56(2)(x) | Gifts above the prescribed limit from non-relatives are taxable in the hands of the recipient; gifts from specified relatives are exempt. |
| Income-tax Act 2025 | Applies from 1 April 2026 for tax year 2026-27; the underlying policy of regimes and deductions is carried forward, but section numbers change. |
Statutory dates can be extended by notification - check the official portal before relying on them.
| Activity | Due date |
|---|---|
| Investment proofs to employer | As set by your employer, usually January–February |
| Last date for tax-saving investments for the financial year | 31 March |
| Advance tax instalments | 15 June, 15 September, 15 December, 15 March |
Plans from our Individual Tax Pricing list. Government charges and GST are shown separately.
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
| Feature | Salary & Pension | Capital Gains | Business & Professional | NRI & Foreign Assets |
|---|---|---|---|---|
| Salary / pension income | ||||
| Capital gains workings | ||||
| Business / professional income | ||||
| Foreign assets schedule | ||||
| Old vs new regime comparison | ||||
| Loss carry-forward review | ||||
| Support call after filing | 1 call | 2 calls |
We never mark up government payments.
Starts at ₹1,999 one-time for an individual/salaried plan; business, HUF and capital-gains plans are quoted on scope. 18% GST extra.
No government fee for planning. Taxes and any government charges on products you choose are paid by you as applicable.
Premiums, investment amounts and product charges are not part of our fee. We do not receive commission for the planning engagement.
What you receive from us.
Yes. Using deductions and exemptions that the Act provides, and choosing between regimes the law allows, is lawful tax planning. Concealing income or inflating expenses is evasion, which we do not support.
Only if you are in the old regime and the investment suits your goals. Locking money in a product only for the deduction can cost more than the tax saved. We compare the post-tax outcome before recommending.
Salaried individuals and pensioners without business income can generally choose the regime each year while filing. Individuals with business or professional income have restricted switching and must follow the Form 10-IEA procedure. We check which category you fall in.
Interest on a self-occupied home loan is not deductible in the new regime, so the old regime is often better when interest is large along with other deductions. We run the numbers instead of using a rule of thumb.
The Act applies from 1 April 2026, but the planning levers remain similar: regime choice, deductions where the regime allows, and capital-gains timing. We use the provisions and rates that apply to the year in question.
The planning service is advisory and carries a flat fee. Where you want to invest in mutual funds or insurance, we discuss options separately and you choose whom to buy from.
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