🧾 Cut my tax bill

Your 4-step plan

Work through these in order. Each step links to the calculator you need.

1. 1

   Run the regime comparison

   In most countries there's a choice (new vs old, marginal vs flat, standard vs itemised). Run both — the difference can be 5–15%.

   Open Federal Tax
2. 2

   Max retirement contributions

   These are pre-tax almost everywhere. Every extra ₹1 / $1 into them lowers taxable income.

   Open Paycheck
3. 3

   Claim the usual suspects

   Rent (HRA), mortgage interest, charity, work-from-home, professional fees, medical insurance. Run through each.

   Open Roth IRA
4. 4

   File early

   Refunds are bigger and faster. Notices come if you wait.

Your toolbelt

These calculators, run together, answer the full question — not a slice of it.