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🚀 Advanced Tax Optimization Calculator 2025-26

India's most comprehensive tax planning suite with multi-year projections, investment portfolio optimization, capital gains analysis, HRA optimization, and intelligent tax-saving recommendations for maximum savings.

Advanced Tax Optimization Suite

Primary Income Sources

₹2L ₹1Cr
Your total annual salary before deductions
Variable pay, performance bonuses, etc.
Professional services, side projects
Income from let-out property
Bank interest, FD, bonds interest
Equity and mutual fund dividends
Income from business/profession

Section 80C Deductions (Max ₹1.5L)

₹0 ₹1.5L
Public Provident Fund contributions
₹0 ₹1.5L
Equity Linked Savings Scheme funds
Term/endowment policy premiums
Principal portion of EMI
National Savings Certificates
5-year tax saving fixed deposits

Other Key Deductions

₹0 ₹1L
₹25K self/family, ₹50K parents (senior citizens)
₹0 ₹50K
Section 80CCD(1B) - Additional ₹50K over 80C
₹0 ₹2L
Section 24 - Max ₹2L for self-occupied property
Section 80E - No upper limit
Section 80G - Charitable donations
Section 80U/80DD - ₹75K/₹1.25L

HRA & Allowances

House Rent Allowance from employer
Actual rent paid for accommodation
Metro: Delhi, Mumbai, Kolkata, Chennai
Actual travel expenses (old regime only)

Current Investment Portfolio

Current market value of equity funds
Current value of direct stock investments
Current value of debt funds
Physical gold, gold ETF, gold bonds
Investment property current value
Current crypto portfolio value

Capital Gains Planning

Expected gains from equity (>1 year)
Expected gains from equity (<1 year)
Gains from property sale (>2 years)
Debt funds, bonds, other gains

Multi-Year Tax Planning

5% 20%
Annual salary increment percentage
3% 8%
Expected annual inflation rate
8% 15%
Expected return on investments
Multi-year projection period
Investment risk preference
Primary financial objective

Tax Optimization Results

Old Tax Regime
₹1,23,400
Total Tax Payable
New Tax Regime
₹98,750
Total Tax Payable

💡 Recommended: New Tax Regime

You save ₹24,650 by choosing the optimal regime

Gross Income
₹12,00,000
Total Deductions
₹2,25,000
Tax Saved
₹70,650
Effective Tax Rate
8.2%
Complete tax analysis, multi-year projections & recommendations

Tax Breakdown Analysis

Investment & Growth Analysis

🏆 India's Most Advanced Tax Optimization Platform

Experience revolutionary tax planning features that no other calculator in India offers. Maximize your savings with cutting-edge technology and AI-powered insights.

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AI-Powered Recommendations

Advanced algorithms analyze your income profile and suggest optimal investment strategies for maximum tax savings based on your risk tolerance and goals.

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Multi-Year Tax Projections

5-10 year tax planning with inflation adjustments, salary growth modeling, and investment return projections. Plan your financial future with precision.

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Capital Gains Optimization

Advanced LTCG/STCG planning with tax harvesting strategies, timing optimization, and portfolio rebalancing recommendations for maximum after-tax returns.

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HRA Optimization Engine

Smart rent vs ownership analysis with detailed financial comparisons, city-wise HRA calculations, and strategy recommendations for maximum exemptions.

Related Calculators

Advanced Tax Tips

  • Use multi-year planning to optimize long-term tax savings
  • Balance risk and returns in tax-saving investments
  • Leverage capital gains harvesting for tax efficiency
  • Optimize HRA vs home loan for maximum benefits
  • Plan investment timing for optimal tax treatment
  • Consider inflation impact in long-term tax planning
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