Tax AI Optimizer

What is the Tax AI Optimizer?

This tax optimizer tests three plans for your income: the new regime, the old regime with the deductions you already claim, and the old regime with 80C, NPS 80CCD(1B) and 80D topped up to their limits. It then recommends the plan with the lowest tax and the exact actions needed.

Enter your income and deductions. The result shows the lowest achievable tax, the recommended plan and how much you save compared with your current setup.

How to use the Tax AI Optimizer

1. Your Age (sample: Below 60 years)
2. Gross Salary or Pension (₹ per year) (sample: 15,00,000)
3. Other Income – interest, rent, etc. (₹ per year) (sample: 50,000)
4. HRA Exemption (₹, old regime only) (sample: 1,20,000)
5. Section 80C Investments (₹, max ₹1.5 lakh) (sample: 1,50,000)
6. Section 80D Health Insurance (₹) (sample: 25,000)
7. Own NPS – 80CCD(1B) (₹, max ₹50,000) (sample: 0)
8. Home Loan Interest – Self-Occupied (₹, max ₹2 lakh) (sample: 0)
9. Employer NPS – 80CCD(2) (₹) (sample: 0)
10. Other Deductions – 80E, 80G, 80TTA, etc. (₹, old regime) (sample: 0)
11. Press Find My Best Tax Plan (results also refresh as you type). The result card shows the Lowest Tax Possible, along with Best plan, Tax – new regime, Tax – old regime (as entered) and Tax – old regime with 80C, NPS & 80D maxed.

Formula used

Lowest tax = min(New regime, Old regime as entered, Old regime with limits maxed)

• Maxed = 80C ₹1.5 lakh, NPS ₹50,000 and 80D at your age limit

All three plans use FY 2025-26 slabs, standard deductions, rebate, surcharge and cess.

Worked example

These are the sample values already filled in the calculator above, and the result it returns for them:

Tips for using the Tax AI Optimizer

• Rule-based and transparent: every step follows the Income-tax Act.
• Revisit the plan when your salary changes significantly.
• Declare your regime to your employer early in the year to avoid a large tax bill at filing time.