Tax Planning Consultation

Overview

Tax planning is a decision you make before March, not in July

Most people only think about tax when it's time to file — by then, the year's decisions are already locked in. A proper tax planning consultation looks at your salary structure, investments, capital gains, and business income together, compares the old and new regimes on your actual numbers, and maps out advance tax instalments so nothing is a surprise at year-end.

Old vs new regime, decided on your numbers

We run both regimes against your actual income and deductions and tell you which one genuinely saves more — not a generic rule of thumb.

Advance tax mapped to your cash flow

Quarterly instalment amounts calculated in advance so you avoid interest under Sections 234B and 234C.

Every deduction identified, not just 80C

80D, 80CCD(1B) for NPS, HRA, home loan interest, and capital gains exemptions reviewed together as one plan, not filed in isolation.

Try it now

See your estimated tax in seconds

A quick estimate to get you started — for a precise number tailored to your situation, book a consultation

Tax regime

Annual income (₹)

₹

₹0₹25L₹50L+

Estimated tax payable

₹ 97,500

Effective rate 6.5% · new regime on ₹15,00,000

Taxable income₹ 14,25,000

Tax as per slabs₹ 93,750

Health & education cess (4%)+₹ 3,750

The New Regime saves you ₹ 1,59,900 compared to the Old Regime.

Illustrative estimate for FY 2025-26 — assumes salaried income eligible for the standard deduction, and includes the Section 87A rebate and 4% cess. Surcharge is applied at a flat rate without its own marginal relief. Does not account for other deductions or individual circumstances. Book a consultation for an exact figure.

Simple, from start to finish

How it works

Book a consultation

Tell us about your income, investments, and any life changes coming up — a few minutes is all it takes.

Share your financial details

Securely share your income sources, existing investments, and last year's return.

We build your tax plan

A CA reviews your regime choice, deductions, and advance tax schedule, and prepares a clear plan.

Review & implement

We walk you through the plan and help you act on it — before deadlines, not after.

Typically 1–2 days for your personalised tax plan

Questions

Frequently asked

01Should I choose the old tax regime or the new tax regime?

It depends entirely on your deductions. If your HRA, home loan interest, 80C and 80D claims add up to a significant amount, the old regime often wins; if you claim little beyond the standard deduction, the new regime usually works out cheaper. We calculate both on your actual figures rather than guessing.

02When do I need to pay advance tax?

If your total tax liability for the year exceeds ₹10,000, advance tax is due in instalments — by 15 June, 15 September, 15 December, and 15 March. Missing these attracts interest under Sections 234B and 234C.

03Can tax planning actually reduce my tax bill legally?

Yes — through timing of investments, choice of regime, structuring salary components like HRA and NPS, and planning the timing of capital gains transactions. None of this involves evasion, only using provisions the law already allows.

04Is this only useful for high-income individuals?

No. Anyone with more than one income source — salary plus freelance work, rental income, or investments — benefits from planning ahead, since these are exactly the situations where deductions get missed.

05Why book a consultation instead of doing this myself?

Tax rules change most years — the capital gains regime itself was overhauled in July 2024 — and the old-vs-new regime decision interacts with every deduction you claim. Getting the call wrong locks in a full year of avoidable tax, which a one-time comparison at filing time can't undo.

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