ITX
Income tax for you
ITR filing, Form 16, refunds, old or new regime, salary and HRA.
For: salaried people, pensioners and freelancers filing their own return.
- Services
- 56
- Price
- From ₹499
- A Savvy replies
- in minutes
Ask this department
Prefer WhatsApp? Send it to a Savvy on WhatsApp
Savvys in this department
Savvys joining
Named profiles appear here once a professional joins this department and their registration is verified. Until then, your question goes to the TaxSavvy CA team, and Tolu keeps you company.
Services and prices
- Information
- Discussion
- Forms
- Deliverables
- Choose the right ITR form, residential status and filing sectionA wrong form or wrong filing section can make your return defective or cost you a refund. We check your residential status and income types, tell you which ITR to file, under which section, and hand you to the right filing service.
- 8Information, 8
- 6Discussion, 6
- 4Forms, 4
- 2Deliverables, 2
- HRA exemption working and claim, 50% cities list (Rule 279, old Rule 2A)Part of your HRA is tax free if you pay rent and stay in the old regime. We work out the exempt amount using the lowest of three limits, check your rent papers and landlord details for Form 124, and make sure the same figure flows to Form 130 and your return.
- 7Information, 7
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Leave encashmentLeave encashment on leaving can be exempt up to ₹25 lakh over your career, but only up to the lowest of four limits.
- 6Information, 6
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- Old vs new regime for salaried employees: tell the employer, choose in the ITR, Sec 202 (old Sec 115BAC)Every year you can choose the new regime (lower rates, few deductions) or the old regime (higher rates, HRA, 80C and others). We compute your tax both ways, tell you what to tell HR for TDS, and file your return under the cheaper one.
- 7Information, 7
- 5Discussion, 5
- 5Forms, 5
- 2Deliverables, 2
- PAN-Aadhaar linking with late fee, Sec 262 and 430 (old 139AA and 234H)If your PAN is not linked with Aadhaar it becomes inoperative: refunds stop and TDS is cut at a higher rate. We pay the ₹1,000 late fee under the right head, link the two, and sort out name or date of birth mismatches so your PAN works again.
- 6Information, 6
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- Talk to a CA, 15 minutesA 15-minute call with a CA about any tax or money question. You get a straight answer and the next step, in plain words.
- 1Information, 1
- 2Discussion, 2
- 0Forms, 0
- 1Deliverables, 1
- AIS and TIS feedback and mismatch correctionYour AIS is the department's list of what it thinks you earned and spent. If it shows a sale you never made, interest twice, or someone else's income, we file feedback on the portal so the record is corrected and your return does not trigger a mismatch notice.
- 6Information, 6
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Complete salaried tax planWe go through every income source and show your saving in rupees before you pay for filing. Most salaried people leave money in structure, regime choice or capital gains.
- 7Information, 7
- 4Discussion, 4
- 3Forms, 3
- 2Deliverables, 2
Show all 56 services
- Employee claims to employer, Form 124 (earlier Form 12BB)Form 124 tells your employer which exemptions and deductions to allow before it cuts tax from your salary. We check your rent, travel, loan and investment papers, fill the form and its annexures, and make sure your TDS matches what you will claim in your return.
- 8Information, 8
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- GratuityGratuity is tax-free up to ₹20 lakh, by formula.
- 6Information, 6
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- Income tax refund not received, status check and refund reissue requestYour return shows a refund but the money has not come. We find out why (not verified, not processed, adjusted, failed, PAN inoperative or bank not validated), fix the cause, and raise a refund reissue request or grievance so the refund is paid with interest.
- 7Information, 7
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- Income tax return for salaried and pensioners, ITR-1 (Sahaj)If you earn a salary or pension and have simple other income, you file ITR-1 every year. We check that ITR-1 is the right form, match your Form 130 (old Form 16) with AIS, pick the regime that costs you less, file it and e-verify it so your refund can be processed.
- 9Information, 9
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- Is my employer deducting the right TDS each month? Employee-side checkYour employer estimates your whole year's salary and deducts tax each month at the average rate. We recompute your year's tax from your payslips, declarations and other income, tell you if the monthly TDS is too high or too low, and show what to give HR so the rest of the year comes out right.
- 8Information, 8
- 5Discussion, 5
- 6Forms, 6
- 3Deliverables, 3
- Job switchWhen you switch jobs, both employers may give you the zero-tax limit.
- 6Information, 6
- 3Discussion, 3
- 3Forms, 3
- 1Deliverables, 1
- Make an inoperative PAN operative againAn inoperative PAN stops refunds and makes banks and brokers cut tax at a higher rate. We find out why it is inoperative, pay the ₹1,000 fee and link Aadhaar, or for NRIs get the status corrected with the AO, then follow up until the PAN works and your refund is reissued.
- 6Information, 6
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Notice pay recoveryIf you paid notice pay to your old employer, its tax treatment is disputed.
- 6Information, 6
- 3Discussion, 3
- 1Forms, 1
- 1Deliverables, 1
- Pre-filing reconciliation of AIS, TIS, 26AS and Form 16Before you file, we put your Form 16, Form 26AS, AIS and TIS side by side so the income and TDS in your return match what the department already knows. Differences are fixed or explained before they turn into a notice.
- 8Information, 8
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Previous employer salary and other income to current employer, Form 122 (earlier Forms 12B and 12BAA)When you change jobs, your new employer does not know what you earned and what tax was cut before you joined. Form 122 tells them, so the year's TDS is right and you do not face a tax bill and interest at filing time. You can also report a home loan loss or other income on it.
- 7Information, 7
- 5Discussion, 5
- 5Forms, 5
- 2Deliverables, 2
- Respond to outstanding demand before refund adjustment on the portalWhen the tax department plans to cut your refund for an old tax demand, you get a chance to object first. We trace where the old demand came from, show proof if it was paid, reduced, under appeal or wrong, and file the response on the portal so your full refund is released.
- 6Information, 6
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Belated and revised return, Sec 263(4) and 263(5) (old 139(4) and 139(5))Missed the ITR deadline or made a mistake in the return you filed? We file the late return with the right fee, or revise your return to fix the error, before the window shuts. After these dates only an updated return with extra tax is possible.
- 7Information, 7
- 6Discussion, 6
- 5Forms, 5
- 3Deliverables, 3
- Form 26AS TDS mismatch: get the deductor to correct its TDS returnYour employer, bank or client deducted tax but Form 26AS shows less, so the department will not give you full credit. We find which deductor and quarter is short, tell the deductor exactly what to correct on TRACES, and file or revise your return once the credit shows.
- 7Information, 7
- 6Discussion, 6
- 5Forms, 5
- 4Deliverables, 4
- Return after a job switch with two or more Form 16sWhen you switch jobs, each employer works out tax as if its salary was your only income, so you often owe tax at filing. We combine both Form 16s, allow the standard deduction once, pick the cheaper regime for the whole year, and file with any balance tax paid.
- 7Information, 7
- 6Discussion, 6
- 5Forms, 5
- 4Deliverables, 4
- Presumptive income tax return, ITR-4 (Sugam), Sec 58 (old 44AD, 44ADA, 44AE)Small traders, shop owners, freelancers and professionals can declare income at a fixed percentage of turnover without full books. We check you qualify, work out presumptive income at 6%, 8% or 50%, fill the balance sheet items the form asks for, and file and e-verify ITR-4.
- 9Information, 9
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- TDS deducted but not credited: claim and grievanceYour employer or payer cut tax from your money but did not pay it to the government, so it is missing from 26AS. The law says you should not pay the same tax twice. We build the proof, claim the credit, raise a grievance and answer any demand.
- 7Information, 7
- 5Discussion, 5
- 6Forms, 6
- 4Deliverables, 4
- Income tax return with capital gains, ITR-2If you sold shares, mutual funds, property or crypto, or you have foreign income or more than two houses, you file ITR-2. We collect your capital gains statements, compute short and long term gains at the right rates, match them with AIS, and file and e-verify the return.
- 9Information, 9
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- NRI income tax return, ITR-2 or ITR-3If you live abroad but earn in India, you may still need to file, and you often have a refund waiting because TDS on NRIs is high. We confirm your residential status by day count, report only Indian income, apply treaty rates where they help, and file ITR-2 or ITR-3 with the refund going to a validated Indian account.
- 8Information, 8
- 6Discussion, 6
- 5Forms, 5
- 4Deliverables, 4
- Return with rent from two or more properties and home loan interest, Sec 24(b)If you own several houses, each one is taxed on its own rules: rent less municipal tax and a flat 30%, minus loan interest. We work out each property, apply the ₹2 lakh limits correctly for your regime, carry forward any loss, and file the right ITR.
- 8Information, 8
- 6Discussion, 6
- 5Forms, 5
- 3Deliverables, 3
- Freelancer return with foreign clients, Sec 44ADAIf you earn from foreign clients, your fees are taxable in India. Under Sec 44ADA you can pay tax on 50% of receipts without books. We convert receipts to rupees, check the form you need (ITR-4 or ITR-3), handle foreign accounts and tax credits, and file on time.
- 8Information, 8
- 6Discussion, 6
- 5Forms, 5
- 3Deliverables, 3
- Perquisite valuation and the employer's statement, Form 123 (earlier Form 12BA)Benefits your employer gives in kind, like a car, a flat, a cheap loan or shares, are taxed as salary at values set by the rules. We value each benefit under the 2026 rules, check the employer's Form 123 and Form 130, and show you how to cut the tax legally.
- 8Information, 8
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Updated return, ITR-U, Sec 263(6) (old 139(8A))If you find income you missed in an old return, or you never filed, you can still come clean by filing an updated return and paying extra tax of 25% to 70% of the tax and interest. We check you are allowed to, compute the extra tax, pay it and file ITR-U before a notice reaches you.
- 8Information, 8
- 6Discussion, 6
- 5Forms, 5
- 3Deliverables, 3
- Business or professional income return, ITR-3 (including F&O and intraday)If you run a business or practice and keep accounts, or trade in F&O, you file ITR-3. We prepare or check your profit and loss account and balance sheet, test whether a tax audit applies, choose the cheaper tax regime within the rules, and file and verify the return.
- 10Information, 10
- 6Discussion, 6
- 6Forms, 6
- 4Deliverables, 4
- RSU and ESPP from a foreign parent: vesting perquisite, INR value and TDSWhen RSUs vest or you buy ESPP shares at a discount from a foreign parent, the gain is salary in India, valued in rupees on that date, and your Indian employer deducts tax. We value each vest, check the employer's figures, and set up the cost base, foreign asset disclosure and tax credit you will need later.
- 8Information, 8
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- High HRAHRA saves tax only in the old regime.
- 6Information, 6
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- HR emails and declarationsInvestment declaration, proof submission and regime emails decide your TDS.
- 5Information, 5
- 3Discussion, 3
- 3Forms, 3
- 1Deliverables, 1
- HUF planningAn HUF is a separate taxpayer with its own basic exemption, but only for genuine HUF property.
- 6Information, 6
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- Interest and dividendsBanks deduct 10% TDS, but in the 30% slab you owe more.
- 5Information, 5
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- Loans: home, education, employerOld regime: self-occupied home loan interest up to ₹2 lakh, education loan interest fully.
- 5Information, 5
- 3Discussion, 3
- 1Forms, 1
- 1Deliverables, 1
- New vs old regimeWe compare both regimes on your exact numbers.
- 5Information, 5
- 4Discussion, 4
- 3Forms, 3
- 1Deliverables, 1
- NPS planningEmployer NPS up to 14% of basic is deductible even in the new regime.
- 5Information, 5
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- Offer letter and CTC decoderCTC is not in-hand.
- 6Information, 6
- 4Discussion, 4
- 2Forms, 2
- 1Deliverables, 1
- Perquisites and salary restructuringSame CTC, less tax.
- 5Information, 5
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- 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.
- 5Information, 5
- 3Discussion, 3
- 2Forms, 2
- 1Deliverables, 1
- Salary slip decoderYour payslip mixes taxable and tax-free parts.
- 4Information, 4
- 3Discussion, 3
- 3Forms, 3
- 2Deliverables, 2
- Account Aggregator consent and data pullAn Account Aggregator is an RBI-licensed consent manager that moves your financial data from your bank or fund house to someone you choose, only after you approve.
- 6Information, 6
- 5Discussion, 5
- 6Forms, 6
- 3Deliverables, 3
- Actor, artist and musician money map: fees, royalty (Sec 151, 152, old 80QQB, 80RRB), Sec 393 (old 194J), foreign showsA money map for artists: which work counts as a film artist's profession (50% presumptive) and which is business (6% or 8%), how royalties and copyright deals are taxed under...
- 7Information, 7
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- AIS and SFT explained: Form 165 (old Form 61A) codes and what banks, registrars, brokers and MF houses reportThe AIS is the tax department's file on you: what banks, employers, companies, registrars, brokers, depositories and fund houses reported against your PAN.
- 6Information, 6
- 5Discussion, 5
- 7Forms, 7
- 2Deliverables, 2
- AIS mismatch and cash deposit or high value transaction queriesWhen the tax department sees a cash deposit, property deal or investment in your AIS that your return does not explain, it sends an alert.
- 7Information, 7
- 5Discussion, 5
- 6Forms, 6
- 4Deliverables, 4
- Coder and freelance developer with foreign clients money map: export of services, LUT, FIRC or FIRA, Sec 58 (old 44ADA)A money map for developers paid from abroad: how foreign fees are taxed under Sec 58 (old Sec 44ADA), when GST registration and an LUT are needed, why you need FIRC or e-FIRA...
- 7Information, 7
- 6Discussion, 6
- 7Forms, 7
- 3Deliverables, 3
- Doctor in private practice and clinic owner money map: Sec 58 (old 44ADA), hospital fees under Sec 393 (old 194J), GST health care exemptionA money map for doctors: how clinic fees, hospital consultant fees, salary and pharmacy sales are taxed, whether Sec 58 (old Sec 44ADA) or regular books suits you, when tax...
- 8Information, 8
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- EPF passbook and Form 130 (old Form 16) into salary and interest incomeForm 130 (old Form 16) shows your salary and tax deducted; the EPF passbook shows what you and your employer put in and the interest earned.
- 7Information, 7
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
- Farmer and agricultural income money map: Sec 11 (old 10(1)), partial integration, PM-KISAN, rural land saleA money map for farm families: what counts as agricultural income and stays exempt, when it still raises tax on your other income, which ITR and land details to give, whether...
- 8Information, 8
- 5Discussion, 5
- 6Forms, 6
- 3Deliverables, 3
- Form 168 (old Form 26AS) vs AIS vs books reconciliationForm 168 (old Form 26AS) shows tax deducted for you, AIS shows what was reported about you, and your books show what really happened.
- 6Information, 6
- 5Discussion, 5
- 6Forms, 6
- 3Deliverables, 3
- Gig worker money map: delivery, driver and home services partners (Zomato, Swiggy, Uber, Ola, Urban Company)A one-page money map for people who earn through delivery, ride and home services apps: how your payouts are taxed, which ITR to file, how to get platform TDS back, when GST...
- 8Information, 8
- 6Discussion, 6
- 7Forms, 7
- 4Deliverables, 4
- Influencer and content creator money map: brand deals, barter under Sec 393 (old 194R), YouTube foreign income, GSTA money map for creators: which of your incomes are taxable and how (brand fees, free products you keep, YouTube and other foreign payouts, affiliate commission), which ITR and...
- 8Information, 8
- 6Discussion, 6
- 7Forms, 7
- 3Deliverables, 3
- Student and first job money map: internship stipend, PAN, education loan Sec 129 (old 80E), first ITRA first money map for students and freshers: whether your stipend is taxable or an exempt scholarship, how to get a free e-PAN, when to file your first return (even at nil tax,...
- 6Information, 6
- 5Discussion, 5
- 5Forms, 5
- 3Deliverables, 3
- Tech founder money map: salary vs dividend, ESOP, Sec 140 (old 80-IAC), angel roundA money map for founders that joins your personal tax to your company's: how to pay yourself (salary, dividend or both), what ESOPs and sweat equity cost you in tax, whether...
- 7Information, 7
- 6Discussion, 6
- 6Forms, 6
- 3Deliverables, 3
Questions this department answers most
Free to read. Each answer has four parts: Facts, Provisions and law, Analysis, Conclusion.
- Salary in Form 16 higher than salary in my ITRForm 16 Part B shows gross salary and then the exempt allowances separately. If you entered salary after exemptions in one box, CPC sees a gap. The exemption is valid...
- Combining two Form 16s in the ITRThe ITR lets you add more than one employer. You enter each employer's salary details separately, and the form totals them. Deductions and the standard deduction are t...
- Previous employer's salary missing from Form 16Each employer issues Form 16 for its own period, unless you gave the new employer details of previous salary in Form 12B. You must add both salaries in your return.
- Old employer did not give Form 16Employers must issue Form 16 for tax deducted. If you do not get it, you can file using payslips, the full and final settlement, and the TDS shown in Form 26AS and AIS.