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Strategic Tax Planning for FY 2024-25

Smart Tax Planning & Advisory by Senior Chartered Accountants

Reduce your income tax liability by up to 26% legally. Get customized salary restructuring, Old vs New Tax Regime optimization, Section 80C to 80U deduction mapping, and capital gains tax strategies.

Save ₹50,000 to ₹3,50,000+ Legally

Old vs New Regime Simulation

Salary & HRA Restructuring

1-on-1 Confidential CA Session

100% Certified CAs

100% IT Act Compliant

4.9/5 Rating (16,000+ Taxpayers)

Get Your Custom Tax Plan

Book a confidential session with our Senior Tax Planner

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100% Confidential • Zero Spam Guarantee

Tailored Strategies

Tax Planning Tailored to Your Profile

One size does not fit all. Our Chartered Accountants craft personalized tax saving roadmaps based on your exact income streams and life goals.

Salaried Employees

IT, Corporate & Executives

Maximize in-hand salary with strategic CTC structuring and full deduction utilization.

HRA, LTA & Food allowance optimization
Corporate NPS (Sec 80CCD(2)) up to 14%
Home Loan interest & principal tax shields
ESOPs & RSU tax timing advisory

Freelancers & Consultants

Doctors, CAs, Techies & Creatives

Leverage presumptive taxation under Section 44ADA to pay tax on only 50% of gross receipts.

Section 44ADA eligibility & computation
Legitimate business expense claims (Gadgets, Wi-Fi)
Advance Tax scheduling to avoid Sec 234B/C interest
GST LUT filing for export of services

Business Owners & SMEs

Proprietors, LLPs & Pvt Ltd

Align corporate and personal tax planning to preserve company cash reserves and owner wealth.

Director salary vs dividend payout modeling
Section 80JJAA employment incentive deductions
Asset depreciation & capital investment planning
Family income splitting & trust structuring

Investors & Traders

Stocks, Mutual Funds, F&O & Real Estate

Minimize capital gains taxes across equity, mutual funds, derivatives, and property transactions.

Year-end Tax Loss Harvesting strategies
Sec 54 / 54F / 54EC real estate capital gains relief
F&O business loss set-off & carry forward
Grandfathering provisions for long-term gains

NRIs & Foreign Earners

Global Income & Cross-Border Assets

Eliminate double taxation and optimize Indian asset repatriations legally.

DTAA Tax Treaty benefits & FTC claims
NRO / NRE bank interest tax planning
Lower TDS certificate under Section 197
Form 15CA / 15CB fund repatriation compliance

HNIs & Family Offices

Estate, Wealth & Inheritance Planning

Protect multi-generational wealth with structured succession and trust frameworks.

Private Family Trust creation & taxation
Surcharge mitigation strategies
Philanthropic 80G / 80GGA donations planning
Dedicated Senior Partner CA year-round support

Regime Selection Guide

Old vs New Tax Regime: Which One Saves More?

Under Budget 2024 updates, the New Tax Regime is the default regime with lower tax rates, while the Old Regime retains major exemptions. Here is a clear comparative view:

Feature / Deduction	Old Tax Regime	New Tax Regime (Default FY 2024-25)
Tax Slabs & Rates	5%, 20%, 30% (Higher Slabs)	0%, 5%, 10%, 15%, 20%, 30% (Lower Progressive Rates)
Standard Deduction	₹50,000	₹75,000 (Increased under Budget 2024)
Tax Free Income (Sec 87A Rebate)	Up to ₹5,00,000	Up to ₹7,75,000 (Zero Tax with Std Deduction)
Section 80C (PPF, ELSS, EPF, LIC)	Allowed (Up to ₹1.5 Lakh)	Not Allowed
Section 80D (Health Insurance)	Allowed (Up to ₹1 Lakh)	Not Allowed
House Rent Allowance (HRA Exemption)	Allowed (Sec 10(13A))	Not Allowed
Home Loan Interest (Self Occupied)	Allowed (Sec 24(b) Up to ₹2 Lakh)	Not Allowed
Employer NPS (Sec 80CCD(2))	Allowed (Up to 10% of Salary)	Allowed (Up to 14% of Salary)
When Does It Win?	When total deductions exceed ₹3.75 Lakhs	When deductions are low or for hassle-free filing

Key Tax Shields

Major Tax Deductions We Maximize For You

Our CAs ensure you never miss any eligible statutory deduction under the Income Tax Act.

Limit: ₹1,50,000

Section 80C, 80CCC, 80CCD(1)

Investments in PPF, ELSS Tax Saver Funds, EPF contributions, Term Insurance premiums, Sukanya Samriddhi, and principal repayment on home loans.

Limit: ₹50,000 (Extra)

Section 80CCD(1B) - NPS

Additional deduction over and above the ₹1.5L 80C limit for voluntary contributions to the National Pension Scheme (Tier-1 Account).

Limit: Up to ₹1,00,000

Section 80D - Health Insurance

Deduction for medical insurance premium: ₹25,000 for self/family (₹50,000 for senior citizens) plus ₹25,000/₹50,000 for parents.

Limit: ₹2,00,000

Section 24(b) - Home Loan Interest

Interest paid on housing loan for a self-occupied residential property. Plus additional interest benefits under Section 80EEA.

Limit: 100% of Interest

Section 80E - Education Loan

Full deduction on interest paid on education loans taken for higher studies of self, spouse, or children without any upper monetary ceiling.

Limit: Capital Gains Offset

Section 54, 54F & 54EC

Exemption from long-term capital gains tax on sale of house property/assets by reinvesting in residential property or 54EC capital gain bonds.

Our Process

How Our Tax Planning Consultation Works

From reviewing your Form 16 and salary slips to delivering an actionable step-by-step roadmap.

Financial Profiling

Share your Form 16, salary breakup, business revenues, investment statements, and capital gains reports.

Regime Simulation

Our tax algorithms simulate both Old & New Tax Regimes to determine your exact mathematically optimal choice.

1-on-1 CA Advisory

Connect with an experienced Chartered Accountant on a 30-45 minute private video call to discuss tailored strategies.

Actionable Tax Blueprint

Receive a comprehensive PDF report outlining recommended salary restructuring, investment deadlines, and filing steps.

Transparent Advisory Plans

Choose Your Tax Planning Package

Invest in professional advice that pays for itself multiple times over in tax savings.

Salaried Pro Plan

For employees earning from salary, interest & single house property.

₹1,999 / session

Form 16 & Salary Structure Analysis
Old vs New Regime Simulation Report
HRA, 80C, 80D & NPS Strategy
30-Minute 1-on-1 CA Video Session
Actionable Tax Saving PDF Report

Book Salaried Session

Traders & Freelancers

For consultants, creators, stock traders & business owners.

₹3,999 / session

Section 44ADA Presumptive Tax Planning
Capital Gains & Tax Loss Harvesting
F&O Trading Expense Deductions
45-Minute In-Depth CA Consultation
Advance Tax Scheduling & Roadmap

Book Professional Plan

HNI & Executive Wealth

For leadership executives, multi-property owners & NRIs.

₹7,999 / year

Multi-Asset Portfolio & Real Estate Sec 54
DTAA Foreign Income & ESOP/RSU Advisory
Family Income & Trust Structuring
Year-Round Priority CA Support
Senior Partner Level CA Assignment

Book HNI Wealth Plan

Got Questions?

Frequently Asked Questions

Answers to common questions about our tax planning advisory and regime optimization.

Depending on your income bracket and revenue streams, most salaried employees save between ₹50,000 to ₹1,80,000 annually by optimizing deductions like Corporate NPS (80CCD(2)), HRA restructuring, 80D medical coverage, and regime selection. Freelancers and business owners under Section 44ADA/44AD often save ₹1,00,000 to ₹5,00,000+ by properly structuring legitimate business expense claims and tax loss harvesting.

The ideal time is at the beginning of the financial year (April to June) so you can structure your salary components, declare optimal investment plans to your employer, and plan Advance Tax installments. However, tax planning done between October and January is also critical to execute year-end investments before the 31st March statutory deadline.

Yes, 100%. All consultations at TaxxSavvy are conducted exclusively by qualified Chartered Accountants (CAs) and seasoned direct tax practitioners registered with the Institute of Chartered Accountants of India (ICAI).

Salaried individuals (with no business or professional income) can switch between the Old and New Tax Regime every single financial year at the time of filing their ITR. Individuals with business or professional income (ITR-3 / ITR-4) can switch only once in a lifetime into the Old Regime and back to the New Regime.

Yes! TaxxSavvy offers complete end-to-end ITR filing services. Our CAs will ensure the strategies formulated during your tax planning session are accurately executed when preparing and uploading your return to the Income Tax e-filing portal.