Tax Planning
Income tax, HRA, capital gains, and every other tax question, worked out with real numbers.
Guides
September 15, 2026 · 5 min read
Who Actually Needs to Pay Advance Tax (and the Exact Due Dates)
₹15 lakh income with zero TDS means ₹97,500 in advance tax, due in four cumulative instalments starting mid-June — miss them and 1% monthly interest applies. Here's the exact schedule.
September 7, 2026 · 6 min read
Marginal Relief Explained: The Narrow Band Where It Actually Matters
Marginal relief sounds like it protects everyone crossing ₹12 lakh — it doesn't. It only meaningfully helps in a narrow band, and phases out by about ₹12.7 lakh. Here's the exact math.
August 26, 2026 · 6 min read
Presumptive Tax for Freelancers: 44ADA vs 44AD Explained
44ADA and 44AD let freelancers and small business owners skip detailed bookkeeping — but they presume very different income percentages. Here's the real difference.
August 24, 2026 · 5 min read
GST Calculator: How Much GST on ₹10,000 at Every Rate
"GST kitna lagta hai" has a different answer depending on the slab — here's the exact GST amount at every rate, both adding and removing it.
August 24, 2026 · 7 min read
Capital Gains Tax on Shares & Property: LTCG vs STCG
Sold shares or property and don't know what you owe? Here's exactly how LTCG and STCG are classified and taxed, with real worked examples for each.
August 24, 2026 · 5 min read
TDS on FD Interest: When It's Deducted & How Much
Your bank doesn't tax your entire FD interest — but once you cross a specific threshold, it deducts TDS on all of it, not just the excess. Here's exactly how.
August 24, 2026 · 6 min read
Income Tax for Senior Citizens: Higher Exemption Limits Explained
Filing tax for your parents, or planning your own retirement income? Senior citizens get meaningfully higher exemption limits — here's exactly how much.
August 23, 2026 · 7 min read
How Income Tax Is Calculated in India: New vs Old Regime Explained
Gross income minus deductions, taxed slab by slab, plus cess — here's exactly how that number on your payslip gets calculated, and why the new regime changed the math.
August 23, 2026 · 6 min read
HRA Exemption Rules: How to Save Tax on Rent
Most people assume their whole HRA is tax-free. It usually isn't — here's the actual three-way formula the Income Tax Department uses, and how to make sure you're claiming the maximum you're entitled to.
August 23, 2026 · 8 min read
Old vs New Tax Regime 2026: Which Should You Choose?
The new regime isn't automatically better just because it's the default. Here's the actual crossover point where the old regime starts winning, and how to find yours.