R. Mahesh & Associates · Egmore, Chennai · ICAI 206817

A number is
not advice.

Most tax tools give you a figure and walk away. This one stays — with a regime recommendation, optimisation plan, scenario analysis, and a CA-signed PDF. For ₹99 a year.

Open the Tool — Free ↓ See pricing →

Free tier available — calculator + AI, no card required.

25+Years Practice
500+Active Clients
11Countries Served
5Advisory Tools
₹99/yrFull Pro Access
Five tools

One engine. Nothing like it in India.

Built by chartered accountants. FY 2025–26 updated.

🧮
Regime Calculator — New vs Old

FY 2025–26 slabs (Budget 2025). Five client personas. Effective rates, bar comparison, 87A rebate, breakpoint alerts, optimisation score.

Free + Pro
⚡
AI Advisory Engine

Structured CA-grade output: recommendation, Budget 2025 changes relevant to your profile, risk notes, baseline vs optimised comparison.

Pro
📊
Scenario Engine

NPS impact (real cost after tax), post-increment (marginal rate + regime switch alert), home loan (24b strategy, effective rate), 3-year projection.

Pro
📄
Branded PDF Report

Gold letterhead, ICAI number, regime comparison, action checklist, risk notes. Client-ready in one click. Clients forward it; CAs stop repeating themselves.

Pro
One price. No asterisks.

₹99 is not a price.
It's a permission slip.

Free
Calculator
₹0
No card. Always free.
  • ✓New vs Old calculator
  • ✓5 client personas
  • ✓Effective rate comparison
  • ✓Breakpoint alerts
  • —AI advisory
  • —Scenarios
  • —PDF export
Most Popular
Pro
Advisory Engine
₹99/year
Less than ₹9/month.
  • ✓Everything in Free
  • ✓AI advisory analysis
  • ✓Optimisation score ring
  • ✓Scenario engine
  • ✓3-year projection
  • ✓March 2026 action list
  • ✓Branded CA PDF
Firm
White-Label
₹2,499/year
For CA firms and practices.
  • ✓Everything in Pro
  • ✓Multi-client dashboard
  • ✓White-label branding
  • ✓Bulk PDF generation
  • ✓Embed on your website

Annual billing. Questions? mahesh@rmaaca.in

FAQ

Answered plainly.

Because free tools give you free results. The AI analysis runs a real API call on every submission. ₹99 covers that cost and signals that this is a product, not a lead magnet. If the tool saves you ₹1,000 in tax, it has paid for itself for the next decade.
Cleartax computes. This advises. Generic tools give you a number. This tool gives you a recommendation, optimisation score, scenario analysis, breakpoint warnings, and a CA-signed PDF — tailored to your persona (salaried, NRI, freelancer, senior).
The AI is prompted with your complete tax profile and instructed to respond as a senior CA at R. Mahesh & Associates. Output is structured: recommendation, Budget 2025 changes, action list, risk notes, and baseline vs optimised. It replaces the first 15 minutes of a CA's advice session, not the CA.
Yes — the Firm tier at ₹2,499/year includes multi-client dashboard, white-label branding, and the ability to embed on your firm's website. Contact mahesh@rmaaca.in for white-label enquiries.
⬇ The tool is below — scroll or click Open Tool
👤 Select Profile
💼
Salaried
💻
Freelancer
🏢
Business
✈️
NRI
👴
Senior
🏪
44AD Business
⚖️
44ADA Prof.
🚛
44AE Transport
📋 Income & Deductions
NRI Note: 87A rebate not available. DTAA & FEMA implications apply. Figures are indicative — consult your CA.
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New Regime
—
effective rate
VS
Old Regime
—
effective rate
Tax Liability Comparison
New Regime
—
Old Regime
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Deduction Optimisation Score
Fill in deductions to see your score.
New Regime
FY 2025–26
₹0
Total payable (incl. cess)
Taxable income—
Std. deduction—
Base tax—
87A rebate—
Cess (4%)—
Net tax—
Old Regime
With Deductions
₹0
Total payable (incl. cess)
Gross income—
Deductions—
Taxable income—
Base tax—
87A rebate—
Cess (4%)—
Net tax—
✦ CA-Grade AI Analysis
R. Mahesh & Associates · ICAI 206817
Generating analysis…
✦ Recommendation
📋 Budget 2025 — Relevant to You
✅ March 2026 Actions
    ⚡ Do Nothing vs Optimise
    As-Is
    If Optimised
    ⚠️ Risk Notes
      Run the calculator first to load your base case, then open a scenario below.
      📊
      NPS Impact
      📈
      Increment
      🏠
      Home Loan
      📅
      3-Year View
      📊 NPS Impact — 80CCD(1B)
      ₹
      Max ₹50,000 under 80CCD(1B)
      ₹0
      Tax saved
      ₹0
      Real cost
      0%
      Implicit return
      Without NPS
      Old regime tax—
      Effective rate—
      →
      With NPS
      Old regime tax—
      Effective rate—
      ₹0
      Annual saving
      ₹0
      10-year total
      +0
      Score boost
      ✦ CA Insight
      Click Generate for CA analysis.
      📈 Post-Increment Analysis
      ₹
      Current
      Best regime—
      Tax—
      Take-home—
      →
      After increment
      Best regime—
      Tax—
      Take-home—
      ₹0
      Net gain
      0%
      Marginal rate
      ₹0
      Extra tax
      ✦ CA Insight
      Click Generate for CA analysis.
      🏠 Home Loan — Tax Impact
      ₹
      Without loan
      Old regime tax—
      Best regime—
      →
      With home loan
      Annual interest—
      24(b) deduction—
      Old regime tax—
      Effective int. rate—
      ₹0
      Annual saving
      —
      Monthly EMI
      —
      Best regime
      ✦ CA Insight
      Click Generate for CA analysis.
      📅 3-Year Tax Projection
      Tax liability — New vs Old over 3 years
      ✦ CA Insight
      Click Generate for multi-year planning analysis.
      👤 Client
      📊 Tax Results
      ₹
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      ✦ AI Content
      Live PreviewA4 · Gold letterhead
      R. Mahesh & Associates
      Chartered Accountants · ICAI 206817 · Egmore, Chennai · rmaaca.in
      Income Tax Advisory Summary
      CA-Verified · FY 2025–26 ·
      Client Details
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      —
      —
      Gross Annual Income
      Regime Comparison
      New Regime
      —
      —
      Taxable: —
      Old Regime
      —
      —
      Taxable: —
      Key Metrics
      —
      Annual Saving
      —
      Optim. Score
      —
      Recommended
      CA Recommendation
      ✦ Advisory Note — R. Mahesh & Associates
      Enter recommendation above.
      March 2026 Action List
      —
      Enter actions above
      Risk Notes
      R. Mahesh & Associates
      rmaaca.in · +91 94441 43912
      mahesh@rmaaca.in · Chennai
      Prepared for informational purposes only. Not formal tax advice. Consult your CA before making financial decisions. FY 2025–26 (AY 2026–27).
      Generating PDF…