Tax Saving
Personal tax planning session with an expert — a concrete, legal plan to cut next year's tax bill.
- Written, Personalised Plan
- Regime Choice with Proof
- Salary Restructuring Inputs
What is Tax Saving?
Most people discover their tax-saving options in March — when it is too late to use them well. A structured tax plan at the start of the year routinely saves salaried professionals and business owners ₹30,000 to ₹2,00,000+ — using only what the law explicitly provides.
In a one-on-one session, a Taxwapsi expert maps your full financial picture — salary structure, investments, loans, family members, business income — and builds a written plan: optimal regime choice, 80C/80D/NPS layering, HRA and home-loan interplay, salary restructuring components, capital gains harvesting and family-level strategies like parental rent and gifting rules.
You leave with a personalised action calendar (what to invest, when, where) and our experts remain available for follow-up questions through the year. The plan typically pays for itself many times over in the first year.
Expert Pro Tip
Tax-loss harvesting before 31 March — selling loss-making stocks/MFs to offset gains and immediately re-entering — is the most underused legal saving for retail investors. It needs a 1-day plan, not luck.
Choose Your Package
Transparent pricing — professional fee shown, government fees extra where noted.
Starter
Salaried tax planning session + written plan.
All Inclusive
Get StartedWhat you'll get
- Regime comparison on your numbers
- 45-min expert session
- Written plan + action calendar
- Salary restructuring inputs
- Email follow-up support
Standard
Plan + execution support + harvesting review.
All Inclusive
Get StartedWhat you'll get
- Everything in Starter
- Investment execution guidance
- March harvesting session
- Family-level strategies
- Mid-year recalibration
- WhatsApp support
Pro
Planning + this year's ITR filing bundled.
All Inclusive
Get StartedWhat you'll get
- Everything in Standard
- ITR filing included (salaried + capital gains)
- Advance tax instalment management
- Business-owner entity advice (if applicable)
- Dedicated tax expert all year
* Timelines depend on government processing. T&C apply.
Benefits of Tax Saving
Written, Personalised Plan
Not generic tips — a numbers-backed plan built on your actual income, deductions and goals.
Regime Choice with Proof
Old vs new regime computed on your real figures — with the break-even shown clearly.
Salary Restructuring Inputs
HRA, LTA, NPS (80CCD(2)), meal cards and reimbursements — what to ask HR to restructure.
Family-Level Strategies
Parental rent, gifts, clubbing rules, senior-citizen brackets — savings most planners ignore.
Capital Gains Harvesting
Use the ₹1.25 lakh LTCG exemption and loss harvesting every single year.
Year-Round Support
Follow-up questions answered through the year — not a one-off PDF.
How It Works — Step by Step
- 1
Financial SnapshotDay 1
Share last year's ITR/Form 16 and current investments through our simple checklist.
- 2
Analysis & Plan DraftingDay 2–3
Expert computes both regimes, maps every applicable section and drafts your plan.
- 3
One-on-One SessionDay 4
45-minute call walking through the plan, trade-offs and your questions.
- 4
Action Calendar DeliveryDay 5
Written plan + month-wise action calendar (investments, declarations, harvesting dates).
Documents Required
Prepare your documents in the order below — start with Document 1 and move down the list.
Income Documents
- 1
Last Year's ITR / Form 16Required
Baseline for the analysis.
- 2
Current Salary StructureIf applicable
CTC breakup for restructuring advice.
- 3
Business Income SummaryIf applicable
If you have business/professional income.
Investment & Loan Details
- 4
Existing InvestmentsIf applicable
PPF, ELSS, insurance, NPS, FDs — whatever exists today.
- 5
Loan StatementsIf applicable
Home/education loans for interest deductions.
- 6
Portfolio SnapshotIf applicable
Stocks/MF holdings for harvesting strategy.
Frequently Asked Questions
How much tax can I realistically save?
Salaried professionals using only defaults typically leave ₹25,000–₹1,50,000 on the table through suboptimal regime choice, unused 80CCD(2)/80D layers, unclaimed HRA structures and missed harvesting. Your plan quantifies your exact number before you spend anything.
Is this just about Section 80C?
No — 80C is usually already exhausted. The real savings hide in employer NPS (80CCD(2), available even in the new regime), health insurance layering for parents (80D), HRA + home-loan combinations, capital gains exemptions, and family-level structures. The plan covers all of it.
Does tax planning work under the new regime?
Yes — fewer levers, but employer NPS, EPF, gratuity structuring and capital gains planning still apply. Often the analysis shows the old regime beats new once your actual deductions are counted — that comparison alone is worth the fee.
When is the best time to do this?
April–June, so the whole year executes the plan (salary declarations, SIP-based 80C, instalment planning). A March session still helps but with fewer options. Harvesting reviews happen before 31 March regardless.
Is everything you suggest legal?
Strictly. Every recommendation cites the section it relies on — deductions, exemptions and structures explicitly provided in the Income Tax Act. We do not touch grey-area schemes; aggressive evasion costs far more than it saves.
Do you sell insurance or investment products?
No — we earn only our fee, so the advice is unconflicted. Where investments are needed (ELSS, NPS), we recommend categories and let you choose providers.
Can business owners use this too?
Yes — for business owners the plan additionally covers presumptive vs books strategy, family salaries, depreciation timing and entity-structure suggestions (proprietorship vs LLP vs company at your scale).
What if my situation changes mid-year?
Job switch, property sale, big bonus — message us and we adjust the plan. Mid-year recalibration is included in the engagement.
What Our Clients Say
4.6/5(2,000+ reviews)GST registration done in 4 days with zero running around. Now they handle my monthly returns too — I just forward invoices on WhatsApp.
They rescued our LLP from two years of pending filings, computed everything correctly and set up a calendar so we never default again.
A single legal notice recovered ₹3.2 lakh that was pending for 9 months. Professional drafting makes all the difference.
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Salaried ITR filing by tax experts — maximum refund, zero errors, filed well before the deadline.
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Quarterly TDS returns (24Q/26Q/27Q) filed accurately — no defaults, no late fees, Form 16/16A issued on time.
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