Tax Planning (India)
Save more tax legally — with a strategy built for your income profile
Old vs New Regime comparison, Section 80C through 80G deduction optimization, NPS planning, HRA, advance tax scheduling, and salary restructuring.
Reduce Your Tax Bill — Legally
The Indian tax system offers many deductions and exemptions that most taxpayers miss or underutilize. A proper tax plan done at the start of the financial year can save you ₹50,000 to ₹1,50,000 or more depending on your income level.
Tax Genius LLC builds a personalized tax roadmap based on your actual income, lifestyle, and financial goals — not a generic checklist.
Regime Selection
Old vs New Tax Regime comparison based on your actual income, deductions, and exemptions — so you pay the least possible tax legally
Deduction Optimization
Maximize Section 80C (₹1.5L), 80D, 80E, 80G, NPS 80CCD(1B) and all other eligible deductions to reduce taxable income
Year-Round Planning
Advance tax planning, investment timing, salary structuring, and HRA / LTA optimization to ensure no surprise tax bills
What Our Tax Planning Covers
Comprehensive deduction and regime optimization
Old vs New Regime Analysis
We compute your tax liability under both regimes using actual income data. New regime offers lower slabs but no deductions. Old regime allows 80C, HRA, LTA, and many exemptions — optimal for those with high investment and housing expenses.
Section 80C Planning (₹1.5 Lakh)
Maximize the ₹1,50,000 deduction under Section 80C: PPF (Public Provident Fund), ELSS mutual funds (3-year lock-in), NSC, tax-saving FDs (5-year), life insurance premiums, home loan principal repayment, and children's tuition fees.
Section 80D — Health Insurance
Deduct health insurance premiums: ₹25,000 for self + family, ₹50,000 for senior citizen parents (additional ₹50,000). Preventive health checkup up to ₹5,000 included. Total possible deduction: ₹1 lakh for families with senior parents.
NPS & Section 80CCD(1B)
Contribute to National Pension System (NPS) to claim an additional ₹50,000 deduction under Section 80CCD(1B) — over and above the ₹1.5 lakh 80C limit. Employer contributions to NPS (80CCD(2)) are also deductible with no upper cap in the new regime.
HRA, LTA & Standard Deduction
Optimize HRA exemption (actual rent − 10% of salary, 50%/40% of salary depending on city). Standard deduction: ₹75,000 (new regime) or ₹50,000 (old regime). LTA (Leave Travel Allowance) exemption planning for travel within India.
Capital Gains & Investment Planning
LTCG on equity (12.5% after ₹1.25 lakh exemption), STCG on equity (20%), LTCG on property (12.5% without indexation). Section 54 and 54F exemption planning for reinvestment. ELSS for tax-efficient wealth creation.
Who This Service Is For
Tax planning for salaried, self-employed, and investor taxpayers
Salaried Employees
Professionals who want to optimize their salary structure, choose the right tax regime, and maximize all deductions including HRA and LTA.
High-Income Earners
Those earning ₹15+ lakhs who need careful analysis of old vs new regime since the savings from deductions can be significant.
Investors & Traders
Stock market investors who need capital gains planning, ELSS optimization, and tax-efficient portfolio strategy.
Home Loan Borrowers
Taxpayers with home loans who can claim Section 24(b) interest (₹2L) and Section 80C principal — often a deciding factor in regime selection.
Senior Citizen Planning
Individuals and their families with senior citizen parents who can maximize 80D health insurance deductions of up to ₹1 lakh.
First-Time Taxpayers
New earners who have never planned investments for tax savings and need a full deduction roadmap for the financial year.
How We Plan Your Taxes
Personalized advice in 4 clear steps
Income Profile Review
We analyze your salary, business income, investments, and deductions already in place for the current year.
Regime Comparison
We compute exact tax under both old and new regime with your actual numbers and recommend the best option.
Deduction Roadmap
We identify every available deduction you qualify for and advise on remaining investments to make before March 31.
Implementation Support
We help you implement the plan: investment choices, Form 12BB for employer, advance tax computation, and ITR filing.
What to Share With Us
Documents needed for a complete tax planning session
Why Choose Tax Genius LLC
Maximized Savings
We find every legal deduction available to you — most taxpayers discover they've been leaving money on the table.
Right Regime Choice
Getting the regime wrong can cost thousands. We ensure you pick the option that saves more for your specific profile.
Year-Round Approach
Tax planning done in March is too late. We help you plan from April for a full year of optimized investments.
Investment Alignment
Tax savings should also match your financial goals. We suggest investments that work for both tax efficiency and wealth creation.
Personalized Advice
No generic checklists — every recommendation is based on your actual income, age, city, and financial situation.
Legal & Compliant
All strategies strictly follow Indian tax law. We help you save more, not evade more.
Frequently Asked Questions
Key questions about Indian tax planning and deductions
Start Saving More Tax Today
Most taxpayers pay more tax than they need to. A proper tax plan can save you ₹50,000 to ₹1,50,000+ per year. Talk to Tax Genius LLC today.