Tax planning · FY 2026-27
Tax planning, organised the way life actually happens
Not by section number — by moment. Sold a property, got RSUs, picking a regime, buying a car through your business. Every page cites the exact provision, shows the working, and flags the trap the reels skip.
Statute-citedCA-reviewedFY 2026-27 verified
Start from your moment
Pick what's happening in your life — every guide shows the legitimate routes, the caps, and the most common 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 →
- I am evaluating my first salary offerWhat is the difference between CTC and take-home salary?Plan it right →
- I am paying rent to my parents and claiming HRACan I pay rent to my parents and claim HRA exemption?Plan it right →
- I am planning to claim LTA on my travelHow many LTA journeys can I claim in a block year?Plan it right →
- I am contributing extra to NPS for the 80CCD(1B) deductionIs the extra ₹50,000 NPS deduction available in the new regime?Plan it right →
- I am checking my monthly EPF contribution and its taxHow much EPF is deducted from salary and is it taxable?Plan it right →
- I am claiming the ₹75,000 standard deductionIs standard deduction ₹75,000 available in both tax regimes?Plan it right →
- I am paying professional tax from my salaryCan I claim professional tax as a deduction in income tax?Plan it right →
- My salary is crossing ₹50 lakh this yearHow does surcharge apply above ₹50 lakh salary?Plan it right →
- I am checking whether my ₹12 lakh income is tax-freeIs ₹12 lakh income really tax-free in the new regime?Plan it right →
- I am taking a sabbatical or career breakWhat tax do I pay on investment income during a sabbatical?Plan it right →
- I am relocating abroad mid-yearDo I pay Indian tax on income earned abroad after relocating?Plan it right →
- My employer provides group life insuranceIs employer-paid group term life insurance taxable as a perquisite?Plan it right →
- I am paying out my notice period or being paid for itIs notice period buyout money paid to the employer tax-deductible?Plan it right →
- I received a joining or sign-on bonusHow is a sign-on bonus taxed and can I claim a refund if I repay it?Plan it right →
- I am claiming children's education allowance and tuition feesWhat is exempt under children's education allowance?Plan it right →
- I am choosing among 80C investment optionsWhich 80C investment gives the best tax saving?Plan it right →
- I am claiming 80D on health insurance premiumsHow much 80D deduction can I claim for my family?Plan it right →
- I am cross-checking Form 16 before filing my returnHow do I verify Form 16 against AIS and 26AS before filing ITR?Plan it right →
- I am entering a joint development agreement for my landWhen does capital gains trigger in a joint development agreement?Plan it right →
- I am selling physical goldWhat is the capital gains tax rate on gold after Budget 2024?Plan it right →
- I am selling my Sovereign Gold BondsIs SGB maturity redemption tax-free?Plan it right →
- I am selling unlisted sharesWhat is the capital gains tax rate on unlisted shares?Plan it right →
- I hold REIT or InvIT unitsHow are REIT and InvIT distributions taxed?Plan it right →
- I am selling cryptocurrency or other virtual digital assetsWhat tax do I pay on crypto gains in India?Plan it right →
- I am trading intraday in equitiesHow is intraday trading profit taxed?Plan it right →
- I am gifting assets to family membersIs there capital gains tax on gifts to family?Plan it right →
- I am dealing with nomination, a will and inherited assetsDoes nomination mean the nominee owns my assets after death?Plan it right →
- My company gave me a loan as a shareholderIs a loan from my own company taxable as deemed dividend?Plan it right →
- I am claiming home office expenses as a freelancerCan I deduct home rent and electricity as business expenses?Plan it right →
- I am hiring contractors vs employees for my businessWhat is the difference in tax for contractors vs employees?Plan it right →
- I am paying MSME suppliers lateWhen are MSME payments disallowed under section 43B(h)?Plan it right →
- I am carrying forward business lossesHow many years can business losses be carried forward?Plan it right →
- I am checking whether I need a tax auditDo I need a tax audit under section 44AB?Plan it right →
- I am claiming scientific research expenditureWhat is the deduction for in-house R&D under section 35?Plan it right →
- My startup is claiming the 80-IAC tax holidayHow do startups claim the 100% tax holiday under section 80-IAC?Plan it right →
- I am drawing remuneration and interest from my partnership firmHow is partner remuneration taxed and when does TDS apply?Plan it right →
- I am deciding whether to register for GST or use compositionWhen is GST registration mandatory and what is the composition scheme?Plan it right →
- I am writing off a bad debt from my businessWhen is a bad debt deductible under section 36(1)(vii)?Plan it right →
- I am paying rent from my businessWhat TDS applies to rent paid by a business?Plan it right →
- I am selling my business as a slump saleHow is a slump sale taxed under section 50B?Plan it right →
- I am leaving India and becoming an NRIDo I pay Indian tax after I leave India?Plan it right →
- I moved to a zero-tax country but may be a deemed residentAm I a deemed resident if I live in Dubai?Plan it right →
- I am returning to India and may be an RNORWhat is the RNOR tax window when I return to India?Plan it right →
- I have RSUs or ESPP from a foreign employerWhen do I pay Indian tax on foreign RSUs?Plan it right →
- I am claiming foreign tax credit via Form 67How do I claim foreign tax credit in my Indian return?Plan it right →
- I am disclosing foreign assets in Schedule FAWho must file Schedule FA for foreign assets?Plan it right →
- I am choosing between NRE, NRO and FCNR accountsWhat is the difference between NRE, NRO and FCNR accounts for tax?Plan it right →
- I am selling an Indian property as an NRIWhat TDS applies when an NRI sells property in India?Plan it right →
- I am applying for a lower TDS certificateHow do I get a lower TDS certificate under section 197?Plan it right →
- I am applying the DTAA tie-breaker for residencyHow does the DTAA tie-breaker decide my tax residency?Plan it right →
- I am remitting money abroad from IndiaWhen do I need Form 15CA and 15CB for remittances?Plan it right →
- I am remitting money under the Liberalised Remittance SchemeWhat TCS applies to LRS remittances for travel and education?Plan it right →
- I am dealing with a foreign pension or 401(k) after returning to IndiaHow is a US 401(k) or foreign pension taxed in India?Plan it right →
- I have US and India tax exposureWhat are the key US-India tax traps for a US citizen or green card holder?Plan it right →
- I received a gift from an NRI relativeIs a gift from an NRI relative taxable in India?Plan it right →
- I inherited property abroadDo I pay Indian tax on inherited foreign property?Plan it right →
- I am worried about the Black Money Act on undisclosed foreign assetsWhat are the penalties for undisclosed foreign assets under the Black Money Act?Plan it right →
- I hold crypto on foreign exchangesHow is crypto held on foreign exchanges taxed for an NRI or returning resident?Plan it right →
- I am closing or converting my Demat account before leaving IndiaWhat happens to my Demat account and SIPs when I become an NRI?Plan it right →
- I am managing PAN and Aadhaar compliance as an NRIDo NRIs need to link PAN with Aadhaar?Plan it right →
- I am earning rental income in India as an NRIHow is rental income from India taxed for an NRI?Plan it right →
- I am earning foreign bank interest during my RNOR yearsIs interest on foreign bank accounts taxable during RNOR?Plan it right →
- I am selling a foreign property after returning to IndiaHow is a foreign property sale taxed after I return to India?Plan it right →
- I am repatriating funds from my NRO accountHow much can I repatriate from an NRO account each year?Plan it right →
- I am planning tax around my weddingCan my spouse and I file a joint tax return after marriage?Plan it right →
- I am receiving gifts at my weddingAre wedding gifts taxable in India?Plan it right →
- I am investing for my newborn childHow is my child's income taxed and can I invest tax-efficiently for them?Plan it right →
- I am investing in Sukanya Samriddhi YojanaWhat are the rules for Sukanya Samriddhi Yojana tax benefits?Plan it right →
- I am partitioning my HUFIs there capital gains tax on HUF partition?Plan it right →
- I am receiving alimony after a divorceIs alimony taxable in India?Plan it right →
- I am handling tax filings as the legal heir of a deceased taxpayerWho files the ITR when a taxpayer passes away?Plan it right →
- I am claiming 80DDB for a parent's serious illnessWhat is the 80DDB deduction for specified diseases?Plan it right →
- I am claiming 80DD or 80U for disabilityWhat is the deduction for a disabled dependent or self-disability?Plan it right →
- I am paying interest on an education loanHow do I claim the education loan interest deduction under 80E?Plan it right →
- I am claiming deductions for charitable donationsHow do I claim 80G deduction on donations?Plan it right →
- I am rushing to complete my 80C investments before March 31What should I buy before March 31 to save tax?Plan it right →
- I am receiving Diwali gifts from my employerAre Diwali gifts from my employer taxable?Plan it right →
- I am considering lending money to my spouseCan I avoid clubbing by lending money to my spouse instead of gifting?Plan it right →
- I am earning income as a content creatorHow is YouTube and Instagram income taxed 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.”
- Partly true“Old tax regime is dead after 2023”
- Partly true“PPF, EPF, NPS — all triple-exempt”
- Trap“Market-linked debentures listed on the exchange have no LTCG after 1 year”
- Partly true“Life insurance maturity is fully tax-free under 10(10D)”
- Trap“Put property in your wife's name to save tax on rental income”
- Trap“YouTubers and influencers can use 44ADA and declare only 50% of income”
- Trap“Once you are an NRI, all Indian income is tax-free”
- Partly true“Sell your house, buy another, capital gains fully exempt under Section 54”
- Partly true“Diwali gifts from my employer are fully tax-free”
- Partly true“Sovereign Gold Bonds are completely tax-free”
- Trap“RSUs from a foreign employer are tax-free in India”
- Trap“The entire education loan EMI is deductible under section 80E”
- Trap“The ₹75,000 standard deduction is available only in the new tax regime”
- Trap“REIT and InvIT distributions are fully tax-free like dividends”
- Trap“Salaried employees can deduct home-office rent and electricity as work-from-home expenses”
- Partly true“Hiring people as contractors instead of employees saves PF, ESIC, and all payroll taxes”
- Trap“Charitable donations under 80G are fully tax-free — you get back the entire amount”
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.