Tax planning, organised the way life actually happens

Start from your moment

Pick what's happening in your life — every guide shows the legitimate routes, the caps, and the #1 trap.

• I sold a propertyHow do I save tax after selling a house or plot?Plan it right →
• I sold shares or mutual fundsWhat tax do I pay on my equity gains after Budget 2024?Plan it right →
• I'm choosing between the old and new regimeWhich regime saves me more tax this year?Plan it right →
• I got ESOPs or RSUsWhen exactly do I pay tax on my stock grants — vesting or sale?Plan it right →
• I'm buying a car through my businessDoes buying the car in the company's name really save tax?Plan it right →
• I switched jobs mid-yearWill I pay extra tax if I get Form 16 from two employers?Plan it right →
• I received salary arrearsCan I reduce tax on salary arrears received for past years?Plan it right →
• I have a second income alongside my jobHow is freelance or gig income taxed if I also have a salary?Plan it right →
• My employer contributes to NPSWhat tax benefit do I get from employer NPS contribution?Plan it right →
• I'm buying property worth more than ₹50 lakhDo I need to deduct TDS when buying a house or flat above ₹50 lakh?Plan it right →
• I'm selling gold or sovereign gold bondsHow is capital gains tax on gold, gold ETFs and SGBs calculated in FY 2026-27?Plan it right →
• I'm redeeming debt mutual fundsHow is debt mutual fund redemption taxed in FY 2026-27?Plan it right →
• I want to book losses to reduce taxCan I sell losing shares before 31 March and buy them back the same day to reduce my capital gains tax?Plan it right →
• I trade in futures and optionsHow is my futures and options (F&O) trading income taxed in India?Plan it right →
• I received dividends on my sharesHow are dividends on shares and mutual funds taxed in FY 2026-27?Plan it right →
• My company is doing a buybackHow is share buyback income taxed after October 2024?Plan it right →
• I want to pay salary to my spouse or family member in my businessCan I pay my spouse or a family member a salary from my business to split family income and save tax?Plan it right →
• Should I take salary or dividend from my company?Should I pay myself a director's salary or declare a dividend from my own company for FY 2026-27?Plan it right →
• I run a small business — do I need to maintain accounts?Do I need to maintain books of accounts or get my accounts audited if I run a small business or practice a specified profession?Plan it right →
• Should I form a Hindu Undivided Family?Can a HUF help me save tax, and how do I set one up?Plan it right →
• I'm withdrawing my EPF before 5 years of serviceIs EPF withdrawal before 5 years of continuous service fully taxable?Plan it right →
• I'm retiring or taking VRSHow much of my gratuity, leave encashment and VRS payment is tax-free?Plan it right →
• My AIS shows income I don't recogniseAIS shows wrong or unfamiliar income entries — what should I do before filing ITR?Plan it right →
• My salary includes a company car, housing or other perksHow are company car, rent-free accommodation and meal vouchers taxed, and can I restructure them?Plan it right →
• I'm selling property I inheritedWhat capital gains tax applies when I sell inherited property in India?Plan it right →
• I'm buying a home with a loanWhat tax benefits can I claim on home loan EMI and stamp duty?Plan it right →
• I own two houses — one is sitting emptyDo I have to pay tax on the second house even if I don't rent it out?Plan it right →
• I earn rent from my propertyHow is rental income taxed and what deductions can I claim on it?Plan it right →
• I want to split income with my spouse or familyCan I transfer money or assets to my spouse to split income and save tax?Plan it right →
• I'm a senior citizen (or super senior) filing taxesWhat tax benefits and exemptions are specifically available to senior citizens in India?Plan it right →

The Claim Audit registry

We watch the same feeds you do. Every viral tax hack, tested against the statute: Legit Partly true Trap Disallowed Illegal

• Partly true“You pay zero tax up to ₹12 lakh salary”
• Partly true“Open an HUF and get a second tax-free slab”
• Legit“Pay rent to your parents and claim HRA”
• Trap“Buy the car in your company's name and write it all off”
• Disallowed“Set off your F&O losses against salary and get a TDS refund”
• Disallowed“Show your crypto losses to reduce your taxable income”
• Trap“Move to Dubai and pay zero tax”
• Partly true“44ADA means 50% of your income is tax-free”
• Trap“Gift money to your spouse and invest in their name”
• Partly trueStale numbers“Equity LTCG up to ₹1 lakh is tax-free”
• Trap“YouTubers and influencers can declare just 40% of income as profit under section 44ADA and pay minimal tax.”
• Disallowed“TDS was already deducted from my salary and FD interest, so I do not need to file an ITR.”
• Trap“Property received from parents on inheritance is completely tax-free, and when I sell it there is almost no tax because I got it free.”
• Partly true“Submit Form 15G/15H to the bank and your FD interest becomes completely tax-free.”
• Legit“Gifts up to Rs 50,000 from non-relatives in a year are completely tax-free.”
• Legit“Up to Rs 10,000 of savings account interest is tax-free for everyone, and senior citizens get Rs 50,000 free on all interest.”
• DisallowedStale numbers“Section 80EEB provides a deduction of Rs 1.5 lakh on interest paid on an electric vehicle loan taken by an individual. This deduction remains available for all EV loans, including those sanctioned after 31 March 2023.”
• Trap“Working remotely as a freelancer while on a tourist visa in India is tax-free because tourist visa holders are not taxed on foreign income.”
• Partly true“Donations to registered political parties under Section 80GGC are deductible at 100%, and cash donations are permitted; a donation-plus-cashback arrangement is a legitimate way to route funds and save tax.”
• Illegal“Running personal expenses through a trust or NGO registered under 12A/80G is a legitimate tax-saving strategy because charitable trusts are exempt from income tax.”
• Partly true“Gifting cryptocurrency to a relative is completely tax-free, and later selling it also attracts no tax because the gift exemption under Section 56(2)(x) covers the entire transaction.”
• Partly true“Under Section 44ADA, a professional can declare only 50% of gross receipts as income, and the remaining 50% is completely tax-free. This applies to all self-employed individuals, including freelancers of every kind, with no ceiling.”
• Legit“Any amount of cash received as a wedding gift is completely tax-free — the ₹50,000 limit does not apply to weddings.”
• Trap“Convert to LLP and pay zero tax — profits distributed to partners are tax-free in their hands.”
• Illegal“NRE fixed deposit interest is permanently tax-free — once tax-free, always tax-free.”
• Partly true“ULIP maturity proceeds are completely tax-free under Section 10(10D) — ULIPs are the best tax-free investment.”
• Legit“Startup ESOPs have zero tax at vesting — you only pay when you sell.”
• Legit“You can claim ₹1 lakh deduction under Section 80D by combining your premiums and parents' premiums.”
• Partly true“Both husband and wife can each claim ₹2 lakh interest deduction on a joint home loan — total ₹4 lakh!”
• Legit“Under Section 44AD, you can show just 6% of your turnover as income and pay zero tax if it's below ₹7 lakh.”
• Illegal“Farmers pay zero tax — route your income through agriculture and it's all exempt.”

Claims are audited against the Income-tax Act, 1961 (with ITA 2025 mapping) as of 2026-08-09. We name claims, never creators. Reviewed by Harun Raaj & Associates, Chartered Accountants.