Income tax, ITR and TDS, made plain
Which regime leaves you better off, what you can actually claim, and how to read a Form 16 without guessing. Every figure checked against the official source.
Calculators
Which tax regime is better for me?
Compare both regimes on your actual salary and deductions, for FY 2026-27.
CalculatorHow much gratuity am I owed?
Work out gratuity under the Payment of Gratuity Act, including the part year that counts and the ceiling that caps it.
CalculatorHow much HRA can I claim?
Work out the exempt portion of your house rent allowance under the three-part test.
CalculatorWhat will I actually take home?
Combine EPF, professional tax and income tax to see what actually lands in your account each month.
Checkers
My payment was deducted but the status shows pending or failed. What do I do?
A step-by-step checker for Income Tax and Parivahan payments, since pending and failed need genuinely different fixes, not just waiting.
CheckerWhy was my Section 89 relief on salary arrears disallowed?
Form 10E has to exist, for the right year, before the ITR. This checker works out what actually went wrong and the exact fix.
CheckerMy refund was approved but never arrived. What do I do?
Bank pre-validation failures stop a refund after it is approved. A step-by-step checker for the actual reason and fix.
CheckerMy refund is being set off against an old demand. What are my options?
A 30-day response window, and genuinely different responses depending on whether the old demand is actually correct.
CheckerDo I need to file Form 10-IEA to use the old tax regime?
Mandatory only if you have business or professional income, and it has to precede your ITR. A quick checker for whether you need it and by when.
CheckerI filed my ITR but missed the 30 day e-verification window. What now?
An unverified return counts as never filed. A checker for whether you can still fix it and how.
CheckerI got a tax demand because my TDS is not showing in Form 26AS. What do I do?
Usually starts with your deductor, not with a rectification request. A checker for the right order of steps.
Guides
Form 26AS vs Form 16: what each one actually shows, and why they need to match
Form 16 only knows about your salary. Form 26AS only knows about tax already credited. Neither one is the full picture anymore, that role has moved to AIS.
Income TaxHow is gratuity calculated, and when are you eligible?
Fifteen days of wages per completed year, divided by 26, not 30. Five years to qualify, waived for death or disablement. Capped at 20 lakh rupees.
Income TaxHow to file a revised ITR when you spot a mistake
A revised return replaces your original entirely. For AY 2026-27 the window runs to 31 March, though revising after 31 December carries a fee.
Income TaxNPS explained: tax benefits, withdrawal rules, and how it compares to EPF and PPF
NPS is the one big deduction that survives into the new tax regime, but only via the employer route. What you put in yourself only helps under the old regime.
Income TaxSection 80C explained: what actually saves you tax, and what doesn't
The 1.5 lakh limit is shared across everything and only applies under the old regime. Which instrument you pick inside it matters more than most people think.
Income TaxTDS vs TCS: what's the actual difference?
TDS comes out of money owed to you before it arrives. TCS is added on top of what you pay. They sit on opposite sides of a transaction.
Income TaxAdvance tax due dates and Section 234C
15 June, 15 September, 15 December and 15 March, at 15, 45, 75 and 100 percent cumulatively. Who is exempt, and what a missed instalment costs.
Income TaxHow HRA exemption is actually calculated
It is the least of three amounts, and the rent test usually binds. Which limit caps you, why basic plus DA is not CTC, and the claims that fail.
Income TaxWhat each income tax notice means
Sections 143(1), 139(9), 142(1), 143(2), 148 and 245, which are routine, which punish silence, and where to reply on the e-filing portal.
Income TaxITR late fee: is it 1,000 or 5,000 rupees
5,000 above 5 lakh income, 1,000 at or below it, nothing under the exemption limit. Plus the Section 234A interest and the belated return deadline.
Income TaxCan a TDS return be filed without a DSC
Yes, an EVC works instead, but only once the principal contact has bank, demat or Aadhaar details on the portal. The full upload, step by step.
Income TaxWhich ITR form should I file
ITR-1 until something specific pushes you out of it. The income, asset and residency triggers that disqualify the simplest form, and what filing wrong costs.
Income TaxIs ITR filing mandatory for senior citizens
Yes, above the exemption limit. Section 194P exempts only residents aged 75 or above with pension and interest from one bank, and only from filing.
Income TaxHow many days does a TDS refund take
Usually 20 to 45 working days after you e-verify. What each CPC Bengaluru status means, what slows a refund down, and when a delay is worth chasing.
Income TaxCan UPI transfers trigger a tax notice
UPI and bank transfers do not trigger notices by themselves. What the department actually compares, which transactions get flagged, and who stays safe.
Where to actually do it
SimpleDoc explains the process. The transaction itself belongs on the official portal, and that is the only place you should ever enter your details.