Complete salaried tax plan

Every case runs through the same four steps: Information, Discussion, Forms, Deliverables. You see each one ticked as it happens.

Add what applies to you. The price above updates.

• Salary slip decoderYour payslip mixes taxable and tax-free parts. We decode every line and show what can become tax-free or come to your hands.Included
• Offer letter and CTC decoderCTC is not in-hand. We show your real monthly in-hand, what's deferred, what's variable, and what to ask before you sign.Included
• New vs old regimeWe compare both regimes on your exact numbers. The new regime usually wins, with nil tax up to ₹12.75 lakh salary, but large HRA, home loan or deductions can flip it.Included
• Perquisites and salary restructuringSame CTC, less tax. Under the new rules: meals up to ₹200 a meal tax-free, gifts up to ₹15,000 a year, company car taxed at a fixed ₹5,000 or ₹7,000 a month, loans up to ₹2 lakh not taxed.Included
• NPS planningEmployer NPS up to 14% of basic is deductible even in the new regime. Your own NPS gives an extra ₹50,000 deduction only in the old regime.Included
• PF and VPFPF stays one of the safest tax-efficient savings, but interest on your own contributions above ₹2.5 lakh a year is taxable, and early withdrawals can be taxed.Included
• GratuityGratuity is tax-free up to ₹20 lakh, by formula. We check your employer's working before you exit, so nothing extra is taxed.+ ₹999
• Leave encashmentLeave encashment on leaving can be exempt up to ₹25 lakh over your career, but only up to the lowest of four limits. We work it out before your final payslip.+ ₹499
• Job switchWhen you switch jobs, both employers may give you the zero-tax limit. We combine the salaries and fix TDS before it becomes a surprise at filing.+ ₹999
• Notice pay recoveryIf you paid notice pay to your old employer, its tax treatment is disputed. If your new employer reimbursed it, that is taxable salary. We document it so your return matches your Form 130.+ ₹999
• High HRAHRA saves tax only in the old regime. From April 2026, Bengaluru, Hyderabad, Pune and Ahmedabad count as metros at 50%. High rent can make the old regime win.Included
• Loans: home, education, employerOld regime: self-occupied home loan interest up to ₹2 lakh, education loan interest fully. New regime: only a let-out property's interest counts. Employer loans up to ₹2 lakh aren't taxed.Included
• HR emails and declarationsInvestment declaration, proof submission and regime emails decide your TDS. We tell you exactly what to reply and what to upload.Included
• Interest and dividendsBanks deduct 10% TDS, but in the 30% slab you owe more. We plan advance tax and legal ways to place savings, like genuine gifts to adult children or parents.Included
• HUF planningAn HUF is a separate taxpayer with its own basic exemption, but only for genuine HUF property. Moving your salary or your own money into it gets added back to your income.Included
• Rental incomeRent is taxed after a 30% standard deduction and municipal taxes. A let-out flat's loan interest still counts in the new regime, and co-owners split the income.+ ₹499
• Foreign income and RSUsRSUs are taxed as salary when they vest and as gains when sold. Foreign assets must be disclosed; missing it can cost ₹10 lakh unless total foreign assets are under ₹20 lakh.+ ₹999
• Shares and mutual fundsListed shares and equity funds held over 12 months: 12.5% above ₹1.25 lakh. Under 12 months: 20%. Debt funds bought after April 2023 are taxed at your slab.+ ₹999
• Tax harvestingBook up to ₹1.25 lakh of long-term gains tax-free every year, and book losses to cut taxable gains. Rebuy on the next trading day, never the same day.Included
• Property saleProperty held over 24 months: 12.5% without indexation, or 20% with indexation if bought before 23 July 2024. We compute both and pick the lower.+ ₹4,999
• Section 82, 86, 85 (old 54, 54F, 54EC)Save capital gains tax by reinvesting: house to house (Section 82, Income-tax Act 2025, old Sec 54), any asset to house (Sec 86, old Sec 54F), or specified bonds up to ₹50 lakh within 6 months (Sec 85, old Sec 54EC). Unused money goes in a capital gains account before filing.+ ₹999
• TDS on property dealsBuying from a resident for ₹50 lakh or more? You deduct 1% TDS. Buying from an NRI? TDS is far higher unless the seller has a lower certificate; since 1 October 2026 you can deposit it with your PAN, no TAN needed.Included
• Broker statement and F&OIntraday is speculative business, F&O is non-speculative business income, and both go in ITR-3. Losses can be carried forward only if you file on time.Quoted after a look. Ask your Savvy.Quote

• What does the plan cover?

  Salary slip and CTC, regime choice, perquisites and restructuring, NPS, PF and VPF, HRA, loans, interest and dividends, HUF, tax harvesting, TDS on property and HR declarations.

• What costs extra?

  Some situations have their own fee: gratuity, leave encashment, job switch, rental income, foreign income and RSUs, shares and mutual funds, property sale and F&O. You see the fee first.

• Is ITR filing really included?

  Yes, the year's return is filed as part of the plan.

• When should I start?

  Any time. Earlier in the year leaves more room to save.