Finnovate tax learning centre

Tax Planning & Income Tax Guides in India

Understand tax regimes, deductions, capital gains, investment taxation and ITR filing with practical Indian guides and calculators.

Find a tax guide Income Tax Calculator

40 tax guides, newest added Oct 19, 2026.

Start here

One broad guide to how tax planning works, one for the most common situation.

Work out the numbers

Three calculators for the figures behind the guides. They estimate; they do not advise.

Income Tax Calculator

Old versus new regime for FY 2025-26 and FY 2026-27, with deductions applied.

Open tool

Capital Gains Tax Calculator

LTCG and STCG on equity, property and gold for FY 2025-26.

Open tool

HRA Calculator

The exempt part of your house rent allowance under Rule 2A.

Open tool

Browse by tax question

Six situations, each with one guide to read first and a few to go deeper. Jump to the one you are in.

Salary, tax regime and deductions

Regime choice, HRA, 80C, ESOPs and RSUs, and what changes when you switch jobs mid-year.

Also read

All tax guides

Investment taxation

How mutual funds, ETFs, SIFs, gold, dividends and REIT income are taxed, and what that does to your real return.

Mutual Fund Taxation in India (FY 2025–26)

Clear guide to mutual fund taxation in India for FY 2025–26 after July 2024 changes: equity STCG 20%, LTCG 12.5% with ₹1.25L exemption, debt/hybrid rules…

Tax 23 min read Applies to FY 2025-26 (AY 2026-27)

Also read

Investment tax guides

Capital gains and property

Short-term versus long-term, the property rules, the 54F exemption, and harvesting losses legally.

Also read

Capital gains guides

Returns, notices and corrections

Which form to file, what to reconcile before filing, how to fix a return, and what a 143(1) intimation means.

Also read

ITR and notice guides

NRI and cross-border taxation

Residential status, TDS on Indian income, capital gains for NRIs, and how DTAA relief works.

Also read

All NRI guides

Retirement, seniors and income types

Senior citizen rules, tax on SWP and NPS withdrawals, and presumptive tax for professionals.

Also read

Retirement tax guides

Latest tax guides

The newest guides across the Tax category and the tax guides filed under SIF, NRI and Retirement.

All tax guides

Every guide, newest first. Search by title or summary, or filter by topic. Page 1 of 3.

  1. 10 min read STT and LTCG Tax: What Budget Relief Could Mean for Investors Understand how STT cuts, a higher LTCG exemption or lower capital gains tax could affect investors, with current rates and illustrative tax savings.
  2. Investment tax 20 min read SIF Taxation in India How are SIFs taxed in India? Compare 2026 STCG and LTCG rates for equity, debt and hybrid SIFs, understand the 65% rules, and see tax examples.
  3. NRI taxation 22 min read DTAA for NRIs in India: TRC, Form 41, TDS & Tax Relief Understand DTAA for NRIs in India for 2026–27, including TRC, Form 41, TDS, NRO interest, capital gains, foreign tax credit and treaty relief.
  4. NRI taxation 16 min read NRI Capital Gains Tax in India: Shares, Property & MF Understand NRI capital gains tax in India for 2026–27, including LTCG, STCG, shares, mutual funds, property, TDS, exemptions and DTAA rules.
  5. Salary & deductions 14 min read Tax Planning and Benefits for Married Couples in India: 2026 Guide Tax planning for married couples in India explained for 2026. Compare tax regimes, deductions, joint home loans, spouse gifts and clubbing rules.
  6. Retirement tax 17 min read NPS Withdrawal Rules 2026: Exit, Partial Withdrawal & Tax Understand NPS withdrawal rules 2026 for normal exit, premature withdrawal, partial withdrawal, lump sum, annuity, tax and corpus limits.
  7. ITR & notices 15 min read Section 143(1) Intimation Explained: Refund, Demand and Next Steps Received a Section 143(1) intimation? Understand CPC adjustments, refunds, tax demands, rectification, revised returns and the correct next step.
  8. Salary & deductions 8 min read Applies to Tax Year 2026-27 How You Can Pay Zero Tax on a ₹14.65 Lakh Salary in FY 2026-27 Zero tax on a ₹14.65 lakh salary is real, but only if your employer contributes EPF on full basic salary. See the ₹7.5 lakh cap before relying on it.
  9. Salary & deductions 11 min read Filing ITR With Two Form 16s After a Job Switch Changed jobs in FY 2025-26? See why combining two Form 16s can create a tax shortfall past the ₹12 lakh rebate threshold, and how to file it right.
  10. Salary & deductions 13 min read ESOP vs RSU Taxation in India 2026: Full Tax Comparison Compare ESOP vs RSU taxation in India: perquisite tax, capital gains, TDS rules, and the new FAST-DS 2026 disclosure scheme, and everything on ESOP/RSU.
  11. Salary & deductions 13 min read Applies to FY 2025-26 (AY 2026-27) HRA Exemption FY 2025-26: Rules, Calculation & New Regime Calculate your HRA exemption under Section 10(13A) for FY 2025-26. Metro vs non-metro rules, the new tax regime impact, rent to parents, HRA with a home loan…
  12. ITR & notices 22 min read ITR-U Updated Return India: Cost, Eligibility & Penalty Slabs (2025–26) ITR-U lets you correct past returns up to 48 months after the Assessment Year. But it only works in one direction and can only be filed once.

Want a tax plan built around your income?

The guides explain the rules. Finnovate's advisers apply them to your salary, investments and sale decisions through the year, not only in March.

Learn about tax planning advisory
  • Regime choice and deductions checked against your actual payslip
  • Capital gains planned before you sell, not reported after
  • Investment taxation reviewed alongside your portfolio