AI reads your Form 16, 26AS & AIS — detects mismatches the IT Dept sees, finds unclaimed deductions, and calculates your exact refund. Free, no login, 30 seconds.
📚 First time here? Here's what each document is:
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Form 16 Your employer sends this every June. It shows your salary, deductions, and how much TDS they deducted. Check your email or ask HR.
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Form 26AS The government's record of all tax deducted on your behalf. Download from incometax.gov.in → e-File → View Form 26AS.
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AIS (Annual Information Statement) Shows ALL your income — salary, interest, dividends, capital gains. Same portal → AIS tab. More complete than 26AS.
1,247
Tax errors detected
₹2.3L
Avg underpaid tax caught
8,400+
Reports generated
🔍 We compare your Form 16 vs AIS vs 26AS — and flag what the IT Dept sees that you missed.
📋 Where to get these: Form 16 — from your employer's HR/payroll portal or email (usually sent in June) Form 26AS — login to incometax.gov.in → e-File → Income Tax Returns → View Form 26AS AIS — same portal → Services → Annual Information Statement
🔒 Your documents are safe — here's exactly how
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Never stored PDFs held in server RAM only during processing — never written to disk or any database
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TLS encrypted All uploads travel over HTTPS — same encryption as your bank
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Google Gemini API PDF text extraction uses Gemini's API — data is not retained or used for model training per Google's API terms
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No login required No account, no email, no phone. Anonymous usage stats collected via Google Analytics to improve the product — no personal data.
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Reading Form 16
Salary, deductions, TDS paid
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Reading Form 26AS
TDS credits, advance tax
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Reading AIS
Interest, dividends, capital gains
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Cross-checking for errors
Mismatches, missing PAN, undeclared income
✅ Extraction complete — please verify
AI extracted these values from your documents. Review before proceeding — amber fields need your attention.
Monthly Payslip Intelligence
Track your salary structure month by month
Payslip Intelligence
Upload monthly payslips — we'll track your tax trajectory
PDF payslips only All processing is local
Upload payslips from multiple months. TaxSmart will analyze your salary structure, track TDS deductions, spot issues early, and project your year-end tax — so you're never surprised in March.
Analysis Results
—Avg Monthly Salary
—Projected Annual Income
—TDS Paid YTD
—Projected TDS Gap
Monthly Net Salary Trend
Step 1 of 6
Let's start with you
A few basics to personalize your tax report.
✅ Fields auto-filled from your documents. Review and correct if needed.
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tap for help
Citizens above 60 (Senior) and 80 (Super Senior) get higher exemption limits under the old regime — ₹3L and ₹5L respectively.
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Metro = 50% of Basic as HRA-exempt. Non-metro = 40%.
Metro: Mumbai, Delhi, Chennai, Kolkata
🏙 Metro City
🏘 Non-Metro
Step 2 of 6
Your Income
Enter annual figures. Check your salary slip or Form 16.
✅ Auto-filled from Form 16. Green fields were extracted automatically — review for accuracy.
💡 All amounts are annual. Monthly salary × 12 = annual.
✓ auto
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Total amount employer spends on you per year, before any deductions.
Monthly ₹1,00,000 → Enter ₹12,00,000
₹
✓ auto
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Fixed base component. Usually 40–50% of CTC. HRA, EPF, gratuity are calculated on this.
₹
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Paid mostly to government employees. Private sector = ₹0 usually.
₹
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House Rent Allowance from employer. Appears on salary slip as "HRA". If you pay rent, part is tax-free in old regime.
₹
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Actual rent you pay to your landlord per year. Enter ₹0 if you own your home or live with parents.
₹
✓ auto
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State tax auto-deducted. ~₹200/month = ₹2,400/year. Deductible in old regime.
₹
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Leave Travel Allowance. Actual domestic travel cost is tax-free in old regime. Claimable twice in a 4-year block.
No LTA
Yes, I get LTA
₹
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Amount spent on tickets. Exemption = min(LTA received, travel cost).
₹
✈️ Only domestic economy travel qualifies. Keep tickets as proof.
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₹100/month per child (max 2) CEA + ₹300/month hostel allowance is tax-free. Old regime only.
Not applicable
Yes, I have children
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₹
📚 Max exempt: ₹2,400 CEA + ₹7,200 hostel per family (2 children).
Step 3 of 6
Investments & Savings
These reduce taxable income in old regime. Enter only what you've actually invested.
✅ Auto-filled from Form 16 Part B. Review for accuracy.
NPS Tier 1 gives EXTRA ₹50K deduction separate from 80C. Open at your bank or nsdl.co.in.
80C ₹1.5L + NPS ₹50K = ₹2L total!
₹
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Employer's NPS contribution up to 10% of Basic+DA. Deductible in BOTH regimes under 80CCD(2)!
✅ Works in New Regime too!
₹
✓ auto
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Health insurance premium for you, spouse, children. Max ₹25,000 deductible (₹50K if senior citizen).
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Additional ₹25,000 for parents' insurance (₹50K if parents are senior citizens). Over and above your own ₹25K!
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Step 4 of 6
Loans & Other Deductions
Many people miss thousands here. Check your bank interest certificates.
✓ auto
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Interest portion of home loan EMI. Max ₹2L for self-occupied. Get "Interest Certificate" from bank.
EMI ₹30K/month → interest ~₹20K/month
₹
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Principal part of EMI counts towards 80C ₹1.5L limit. Check your bank's interest certificate for the split.
₹
✓ auto
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100% deductible — no upper limit! For 8 years from repayment start. Very underused!
No maximum limit
₹
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Interest earned in savings bank account — ₹10,000/year tax-free under 80TTA. ₹50K for senior citizens (80TTB).
₹
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50–100% of donations to approved charities deductible. Keep receipt with 80G number. We calculate 50% conservatively.
₹
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₹75K for self with disability (40%+), ₹1.25L for severe. 80DD for disabled dependent. Medical certificate needed.
₹
Step 5 of 6
EPF & Gratuity
Usually automatic — let's make sure they're counted correctly.
✅ Auto-filled from Form 16 and 26AS.
🏦 EPF and gratuity have built-in tax protections. We calculate exempt portions automatically.
✓ auto
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12% of basic salary auto-deducted monthly. Counts towards 80C limit. Check payslip.
Basic ₹40K/month → EPF ₹57,600/year
₹
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Employer's 12% of basic to EPF. Tax-free up to ₹7.5L/year combined (EPF+NPS+Superannuation). Not in your 80C.
₹
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Lump sum on leaving after 5+ years. Up to ₹20,00,000 completely tax-free.
No
Yes
₹
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Sec 10(10C): Up to ₹5,00,000 is tax-free if received under an approved VRS scheme after 10+ years of service. Amount above ₹5L is fully taxable.
VRS ₹8L → ₹5L exempt, ₹3L taxable
No
Yes
₹
⚠️ Exempt only for PSU/govt/approved private schemes. Confirm with your employer's HR that VRS is CBDT-approved.
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Sec 10(10B): Exempt up to the lower of ₹5,00,000 OR average salary of last 3 years × completed years of service. Received on layoff/retrenchment.
Avg salary ₹8L × 3 yrs = ₹24L → capped at ₹5L
No
Yes
₹
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Completed years only. Used to calculate the exempt portion.
#
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Sec 10(10AA): Tax-free up to ₹25,00,000 (lifetime limit for non-govt employees) on retirement/leaving. Leave encashed during service is fully taxable.
Only exempt on separation — not mid-service
No
Yes
₹
✅ On retirement/leaving: ₹25L lifetime exempt for non-govt. Govt employees: 100% exempt.
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Uniform allowance, research allowance, conveyance (old regime), etc. Check salary slip.
₹
Step 6 of 6
Other Income
Almost done! Any income beyond your salary? Enter ₹0 if not applicable.
✅ Auto-filled from 26AS and AIS. Cross-check these carefully.
✓ auto
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Interest from FDs, RDs, bonds. Fully taxable. Bank deducts TDS above ₹40K/year. Check Form 26AS.
₹
✓ auto
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Gross rent received. 30% standard deduction applied automatically. Enter the full rent received.
₹
✓ auto
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Profit from stocks/equity MFs held less than 1 year. Taxed at flat 20%.
Sold shares within 12 months → STCG
₹
✓ auto
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Profit from stocks/equity MFs held 1+ year. First ₹1,25,000 is tax-free every year!
First ₹1.25L gains = zero tax
₹
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Income from freelancing, consulting, tuitions etc. Added to salary income, taxed at slab rate. May need ITR-3 if above ₹2.5L.
₹
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Profit from Bitcoin, Ethereum, other crypto (VDA). Taxed at flat 30% — no deductions, no loss set-off allowed. Enter total profit (not sale value).
₹
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Interest from savings accounts only (not FD). First ₹10,000 is tax-free under 80TTA (₹50K for seniors via 80TTB). Enter total amount — we apply the exemption automatically.
SB interest ₹15K → ₹10K exempt, ₹5K taxable
₹
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Sec 115BBJ: Winnings from online games (Dream11, MPL etc.), lottery, crossword, card games. Taxed at flat 30% — no deductions allowed. TDS deducted above ₹10,000 per win. Heavily scrutinised by IT Dept.
₹1L winnings → ₹30,000 flat tax
₹
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If you worked at 2+ employers, each deducts TDS independently — often leading to under-deduction. You must combine both salaries and compute tax yourself. Enter total salary from ALL employers above in Gross Salary.
Job A ₹8L + Job B ₹6L → enter ₹14L total
No
Yes
₹
₹
₹
₹
⚠️ Make sure your Gross Salary above includes the total of BOTH employers. Each employer only knows their part — so total TDS is usually lower than required.
📊 Consolidated Salary Summary
Employer 1
₹0
Employer 2
₹0
Total (enter above ↑)
₹0
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Sec 89(1): If you received arrears of salary for previous years, you can claim relief so you're taxed as if you received it in those years — not all at once in the current year. File Form 10E before filing ITR.
Arrears ₹3L received in FY25 for FY22 → lower effective tax
No
Yes
₹
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Compute relief using Form 10E on Income Tax Portal. Enter the relief amount from there. We deduct it from your final tax.
File Form 10E BEFORE submitting ITR
₹
⚠️ You MUST file Form 10E on incometax.gov.in before submitting your ITR. Relief not available without it. Arrears already included in your Gross Salary above.
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Total Tax Deducted at Source by all deductors (employer, bank etc.) as shown in Form 26AS. This reduces your final tax payable.
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📋
For planning purposes only. This estimate is based on information you provided. Figures may differ from actual tax liability. Verify with your Form 16 & 26AS, and consult a CA before filing your ITR.
TaxSmart Report · FY 2025–26
New Regime
Saves ₹0
Tax Payable
₹0
incl. cess
Effective Rate
0%
of gross · marginal: 0%
TDS Balance
₹0
refund / due
🚨 Your employer may NOT have deposited your TDS
📋 Action required: Ask your HR/payroll to reconcile TDS deposits. Check 26AS on incometax.gov.in — only TDS reflected there can be claimed as credit. If employer hasn't deposited, you may get an IT notice even though TDS was deducted from your salary.
💰 Your Expected Refund
₹0
💡 Tax Savings Optimiser — What if you invested more?
▼
Drag the sliders to see how additional investments reduce your tax. Changes don't affect your saved report.
80C Investments (ELSS, PPF, LIC…) ₹0
NPS Tier 1 — 80CCD(1B) ₹0
Health Insurance — 80D ₹0
Total additional tax savings
₹0
Adjust sliders above to see savings
🎯 Will the IT Dept Flag Your Return? — Scrutiny Risk Score▼
⚖️ Old vs New Regime — Full Comparison▼
📊 Deduction Breakdown & Utilization▼
💡 You're on New Regime — these old regime deductions are shown for reference only.
⚠️ Document Mismatches▼
📋 ITR Form & Filing Checklist▼
🏦 234B/C Advance Tax Interest▼
📋 Document Reconciliation
Side-by-side comparison of your uploaded documents vs what you entered. Highlighted cells indicate mismatches.
* Values extracted by AI — cross-check against original documents before filing
🤖 AI-Suggested Next Best Move
Analysing your tax profile...
⚡ AI Recommendation
Extra investment
₹25,000
₹0Tax Saved
0%Effective Return
₹0Net Cost to You
AI Advisory Insight
Generating your personalized insight…
📋 What to do next
🔢 Income & Tax Comparison
📈 Tax Slab Breakdown
📊 Schedule CG — Capital Gains Preview
✅ Your Deductions & Exemptions (Old Regime)
💡 Personalized Tax Saving Tips
🗂️ Audit Trail — Session History
All changes are recorded locally for this session. Not stored on servers.
⚠️ Important Disclaimer
TaxSmart is a free tax planning tool — it is not a registered tax advisor, CA firm, or legal service. Output is for estimation and planning purposes only and does not constitute legal, financial, or tax advice under the Income Tax Act, 1961.
Always verify all figures with your original Form 16, Form 26AS, and AIS before filing. Consult a qualified Chartered Accountant (ICAI member) for actual ITR filing, especially if you have capital gains, foreign income, business income, or received an IT notice.
AI-generated content (including notice drafts and insights) may contain errors — review carefully before use. TaxSmart India · FY 2025–26 · Based on Income Tax Act & Union Budget 2025 · DPDP Act 2023 compliant · Documents processed via Google Gemini API and never stored.
📅 Tax Calendar & Advance Tax Planner
All key deadlines for FY 2025–26, with your personalised advance tax schedule.
Your Advance Tax — FY 2025–26
Loading…
Advance Tax Installments
⚠️ Penalty & Interest Exposure
Full Year Tax Calendar
Deadlines based on Income Tax Act 1961 · FY 2025–26 (AY 2026–27) · Always verify at incometax.gov.in
🏢 HR / Finance Team Portal
Bulk process your team's Form 16s. Each employee gets their own personalised tax report — no logins, no data stored.
How it works: Upload multiple Form 16 PDFs at once (one per employee). TaxSmart extracts each employee's data, calculates their optimal regime, and generates a shareable report link. Free for first 10 employees.
📂
Drop Form 16 PDFs here
Or click to select — multiple files allowed Each PDF = one employee's Form 16
0 employees queued
Processing employees…
📊
No employees processed yet
Upload Form 16 PDFs in the Upload tab to get started
Regime Distribution
New 60%
Old 40%
Hover/tap to see counts
Employee
Gross Salary
Best Regime
Tax Payable
TDS Balance
Status
Actions
🔗 Employee Self-Service Link
Share this link with your entire team. Employees open it, upload their own Form 16, and get their personalised tax report instantly — no login required, zero data stored on your end.
📬 Send Individual Links
Add employee emails below to send them personalised report links with their pre-computed data.
📦 Bulk WhatsApp Message
Hi [Name],
Your FY 2025-26 tax report is ready 🎉
Click to view your personalized analysis:
→ https://vedant4557-dev.github.io/taxai/
It shows your optimal tax regime (Old vs New), deductions you can still claim, and your estimated refund/dues.
No login needed. Takes 2 minutes to verify.
— HR Team
🔒 All PDF processing is done server-side via encrypted API. No employee data is retained after report generation. DPDP Act 2023 compliant.
✓ New Regime
Tax: ₹0 · Refund: ₹0
📤 Share with Your CA
A professional tax brief your Chartered Accountant can use directly. Copy or send via WhatsApp.
Loading...
Brief includes: salary, TDS, regime recommendation, deductions, and any discrepancies found.
📧 Email My Tax Report
Get your full tax summary delivered to your inbox — with filing checklist, refund status, and a reminder for next year. No spam, no login.
Opens your email app — one tap to send to yourself
Also remind me next year
We'll remind you when Form 16 season starts. Zero spam guarantee.
✅
Report opened in your email app!
Just hit Send. Your tax summary will be in your inbox in seconds.
Reminder set for January 2027 — we'll let you know when Form 16 season starts.
⚖️ Draft IT Notice Response
Select the type of notice you received. AI will draft a formal response using your tax data.
✦ Drafting your response...
⚠️ AI-generated draft — review with a CA before submitting. Not legal advice.
🪪 Your Tax Card
A beautiful summary card — share on LinkedIn, WhatsApp, or download.
👆 Tap card to copy summary text
All data stays in your browser — nothing is uploaded to generate this card.
📡 ITR Filing Status Tracker
Enter your ITR acknowledgement number to track processing status, refund, and key dates.
📋 Find your acknowledgement number in the ITR-V PDF emailed to your registered email after filing, or at incometax.gov.in → e-File → ITR → View Filed Returns.
🔔 Get notified when refund is credited
⏱ Typical ITR timelines (FY 2025-26):
Filing → Processing: 7–15 days
Processing → Refund initiation: 1–4 weeks
Refund initiation → Bank credit: 3–10 days ⚠️ Belated return (after Jul 31): refund may take 3–6 months