Meet TaxPass

Every TaxPass filer gets a free, goal-based investment plan once their ITR is filed. Tell us your short-term and long-term goals, current savings, monthly income, and risk appetite — we run a deterministic planning engine and show you exactly how much to invest each month, split across Equity SIP, PPF, ELSS, NPS, FD, gold, etc., based on your preferences. It's a starter plan you can revisit any time, with goal projections inflation-adjusted at 6%. Not SEBI-registered investment advice — but a strong baseline most salaried filers never put together themselves.

No— TaxPass is not a SEBI-registered Investment Advisor (RIA), and our planner doesn't recommend specific products. What you get is a generic asset-class allocation (e.g. "₹15,000/month into a Nifty 50 index fund"), not "buy XYZ Bluechip Direct Growth". For product-level personalised advice — especially if your situation is unusual (capital gains carry-forward, NRI status, business income, large windfall) — please consult a SEBI-registered RIA. We surface a disclaimer with every plan.

The projections use conservative long-term averages: 12% p.a. for diversified equity, 7-8% for PPF/FD/debt MF, 8% for gold, with goal targets inflation-adjusted at 6% p.a. These are smoothed historical numbers — real-world returns are lumpy (some years +25%, some −20%). Treat the projection as a directional check ("am I on track or way short?"), not a guarantee. Revisit the plan every 6-12 months and after any big life change (job, marriage, kid, home purchase).

Three reasons. One — the law:recommending specific products requires SEBI RIA registration; we don't hold one yet, and we'd rather give you something useful within bounds than cross a regulatory line. Two — picking the right fund is easier than it sounds: for index SIP, just pick a low-expense Nifty 50 / Nifty 500 fund from any reputable AMC; the differences across them are tiny compared to the difference between investing and not investing. Three — your circumstances matter: debt vs equity ratio depends on your tax bracket, liquidity needs, and existing portfolio. Our generic allocation is meant as a starting point you can refine with a paid advisor if you want product-level guidance.

Yes — re-run the wizard any time from /plan. Each run creates a fresh plan; the previous ones stay on your account for reference. We recommend revisiting at least once a year (around the time you're filing your next ITR, when income and savings numbers are top of mind) or whenever a major change happens — promotion, job change, marriage, new dependant, bonus / windfall, or buying a home.

Yes — completely free, no signup, no payment, no card details. Send your Form 16 PDFto our WhatsApp number, and within ~30 seconds you'll get a refund estimate under both the Old and New tax regimesfor AY 2025-26, plus the recommended regime. The Form 16 you send is processed by our AI agent and disposed of after the reply — we don't keep it. It's a fast preview of what filing on TaxPass would look like; no commitment to file with us afterwards.

TaxPass decides automatically based on your documents. Most salaried users — single or multiple employers, bank interest, optionally one house property — file ITR-1(free for the first 1,000 filings; ₹499 after). If you have capital gains (stocks, mutual funds, crypto, property), foreign income, RSUs/ESOPs, multiple house properties, or total income above ₹50 lakh, you'll file ITR-2 (also free for the first 1,000; ₹999 after). If your case requires ITR-3 or ITR-4 (business or presumptive income), TaxPass tells you upfront and suggests a CA — before you pay.

Three PDFs: Form 16 from each employer, Form 26AS (the consolidated TDS statement), and AIS (Annual Information Statement). TaxPass walks you through downloading 26AS and AIS from incometax.gov.in step by step. Once uploaded, TaxPass reads all three, cross-checks the numbers, and flags inconsistencies before you file.

TaxPass computes your tax under both regimes and recommends the cheaper one based on your actual deductions. The New regime (now the default) usually wins for filers with limited Chapter VI-A claims — its slabs are widened and the standard deduction is ₹75,000. The Old regime wins when you have substantial 80C, 80D, HRA, or home loan interest. You see a side-by-side comparison and the rupee difference before confirming.

Upload all of them. TaxPass aggregates gross salary, exempt allowances (HRA, LTA), s.16 deductions, Chapter VI-A claims, and TDS across every employer. There's no cap on the number of Form 16s per filing.

You file it.TaxPass produces a personalized step-by-step Filing Guide that tells you the exact value to enter in every field on incometax.gov.in, in the order the portal presents them. We deliberately don't generate an upload-ready JSON because the income-tax portal's offline utility changes mid-season — manual entry alongside TaxPass's guide is more reliable.

PAN and bank account numbers are encrypted at rest with AES-256-GCM. Your Form 16, 26AS, and AIS PDFs sit in Firebase Storage scoped strictly to your account — only you can read them, even from the server. We don't sell or share data. Filings, messages, and uploaded documents are erased 30 days after your ITR reaches filed status — giving you a window to re-download your guide before everything goes. Payment records are kept longer (7 years) for financial-records compliance, but anonymised the moment you delete your account.

Yes — both rights are guaranteed under the DPDP Act 2023, and TaxPass ships them as one-click self-service. From your Account page you can download a complete JSON export of everything we hold (profile, every filing with PAN/bank decrypted, full chat history, payments) or permanently delete your account after a type-your-email confirmation. Deletion wipes documents, filings, chats, and your sign-in; payment rows are anonymised but retained for the statutory financial-records window.

Your filings, messages, uploaded PDFs, and account live in Firebase (Firestore + Storage) in Google's asia-south1 region — Mumbai. Payments run through Razorpay, which is India-based. The only cross-border hop is the AI itself: when TaxPass's agent reads your documents or replies to a chat message, that prompt is sent to Anthropic's Claude API in the United States. Anthropic doesn't train on the data and retains it for at most 30 days for abuse monitoring. This is disclosed in our Privacy Policy as a DPDP-mandated cross-border transfer.

Email our Grievance Officer at contact@taxpass.app. We respond within 7 business days, as required of every Data Fiduciary under the DPDP Act 2023. Use this address for: data-rights requests we couldn't fulfil through /account, consent withdrawals beyond account deletion, suspected breaches, or anything that needs a human at TaxPass.

Form 10-IEA is the regime-switch declaration. If you used the New regime last year and want to switch to Old this year (or vice versa), you must file Form 10-IEA on the portal beforefiling your ITR. TaxPass detects the switch, walks you through filing 10-IEA, and captures the acknowledgement number. First-time filers and people staying in the same regime don't need to do this — TaxPass skips it entirely.

TaxPass only claims deductions you explicitly confirm, and cross-references Form 16 against Form 26AS and AIS so any income the IT department already knows about (savings interest, FD interest, dividends) gets reported. Your notice risk is the same as filing with a careful CA — significantly lower than typical DIY filing where users miss income shown in 26AS/AIS or over-claim deductions they can't back up.

TaxPass's AI agent files ITR-1 and ITR-2 for resident individuals directly. For business income (ITR-3), presumptive taxation (ITR-4 — 44ADA / 44AD), HUF/partnership filings, or non-resident status — email us at contact@taxpass.app and we'll point you to a vetted Chartered Accountant who can take it from there.

The chat stays open the whole time you're filing. Type your question — "the portal shows a different TDS amount", "I can't find the field for 80CCD(1B)", "what do I do if validation fails?" — and TaxPass answers in context. Your filing guide and conversation history persist for the season; you can close the tab, come back tomorrow, and resume where you left off.