Tax Planning
AI tax planning for India: stop guessing which regime saves more
It's February. Your CA says old regime. Your colleague swears by new. You've got ₹1.5L in PPF, some ELSS from last year, EPF running on auto. Three online calculators gave you three different numbers. PortoAI gives you one answer, for your exact salary and your exact deductions.
The problem
Every year, the same panic. Every year, money left on the table.
It's the second week of February. You pull up your salary slip: ₹18L CTC, ₹14.8L taxable after HRA. You know you've got ₹1.5L in PPF (maxed), about ₹50K in ELSS from a SIP you started two years ago, and EPF deducted automatically. There's also an LIC premium your parents set up, maybe ₹12,000 a year, you're not even sure it qualifies. You open ClearTax. It says old regime saves ₹23,000. You open the Income Tax website calculator. Different number. Your colleague in finance says he saved ₹40,000 with new regime on the same salary, but he doesn't have HRA. Your CA's WhatsApp reply is 'depends on your deductions,' which helps exactly zero. Meanwhile, the ₹50,000 NPS deduction under 80CCD(1B)? You've heard of it but never understood if it stacks on top of 80C or replaces it. March 31st is six weeks away. You'll probably just do what you did last year and hope it works out.
This is for you if
- You run the old-vs-new comparison every year and still aren't sure you picked right
- You've got PPF, ELSS, EPF, maybe some LIC premium you forgot about, and you've lost track of what counts where
- You max out 80C but never think about 80CCD(1B), 80D, or Section 24
- You've panic-bought ELSS in the last week of March more than once
- You switched to new regime because it's 'simpler' but never checked if it actually saves you money
- You want someone to just tell you: here's the number, here's what to do, here's the deadline
What you can do
One conversation. Your exact tax picture.
Tell PortoAI your salary and what you've invested. It knows the Budget 2025 slabs, every deduction section, and the rules that trip people up. No assumptions. No generic advice. Your numbers.
Old vs New regime with Budget 2025 slabs
Enter your CTC or taxable income. PortoAI calculates tax under both regimes using the latest Budget 2025 slabs (per the Finance Act, 2025), the new ₹75,000 standard deduction, and your actual deductions under the Income Tax Act, 1961: 80C, 80D, 80CCD(1B), Section 24, HRA. You see the exact rupee difference, not a 'depends on your situation' answer.
80C + NPS investment tracker
PPF, ELSS SIPs, EPF, LIC, tuition fees. PortoAI tracks what you've invested across all 80C instruments and shows how much of the ₹1.5L limit remains. Plus the separate ₹50,000 NPS deduction under 80CCD(1B) that most people forget about entirely.
HRA and home loan deduction handling
Paying rent and have a home loan? Both can be claimed in old regime, but the math is specific to your rent, salary, and city. PortoAI calculates actual HRA exemption (not the formula you Googled) and Section 24 interest deduction together.
ELSS fund comparison
Need to invest in ELSS before March 31st? Don't just pick the one your broker app pushes. PortoAI compares ELSS funds by 3-year and 5-year returns, expense ratio, and alpha over benchmark, so you choose based on performance data, not popularity lists.
NPS optimization beyond 80C
80CCD(1B) gives you ₹50,000 in deductions on top of the ₹1.5L 80C limit. That's up to ₹15,600 in tax saved at the 30% slab. But NPS has lock-in and annuity rules. PortoAI lays out the tax benefit against the liquidity trade-off for your specific bracket.
Capital gains tax harvesting
Sitting on LTCG above ₹1.25L from equity? You might owe 12.5% on the excess under Section 112A of the Income Tax Act. PortoAI flags holdings where booking profits and re-entering can reset your cost basis, so you use this year's exemption instead of letting it pile up for next year.
Try it yourself
Questions you can ask
“Compare old vs new tax regime for ₹18L CTC with ₹1.5L PPF and ₹50K ELSS”
“How much of my 80C limit have I used this year?”
“Does NPS make sense for me at the 30% slab? Show me the math.”
“I pay ₹25,000 rent in Bangalore. What's my actual HRA exemption?”
“Compare the top 5 ELSS funds by 3-year returns”
“What deductions am I missing that I'm eligible for?”
“I have ₹2L in LTCG this year. Should I harvest some gains before March?”
“My parents pay ₹45K health insurance. Can I claim 80D for that?”
Ready to try these prompts with your own portfolio?
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Long-term investor · ₹18L portfolio · Bengaluru
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F&O trader · 3 years active · Mumbai
“Used to keep Screener, TradingView, and Zerodha Kite open in three tabs. Now I just ask PortoAI. Fundamentals, technicals, risk check, position size. Cut my pre-trade research from 20 minutes to 3 minutes per stock.”
Ravi Mehta
Active investor · 47 stocks · Delhi
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