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AY 2026-27 · Old and new regime

Your money,
worked out.

SmartCA is a calm ledger for your income, spending and tax. It does the arithmetic, shows every step, and never uses a figure you haven’t confirmed.

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An example SmartCA Summary: net savings of ₹4,64,700 from ₹7,55,000 of income and ₹2,90,300 of expenses over six months, with monthly bars, recent entries, a tax comparison and the Ask SmartCA button.

Example figures, computed by SmartCA’s own ledger and tax engine.

Financial clarity

One figure that tells you where you stand.

Summary leads with your net savings, then shows what it’s made of: what came in, what went out, and how much of every rupee you kept.
  • Net savings, set on an accounting double rule
  • Income, expenses and savings rate side by side
  • Each month compared in plain words
SummaryExample figures

Net savings

₹4,64,700

You’ve kept 62% of your income.

Of every ₹100 you earned, ₹38 went to expenses and ₹62 stayed with you.

  • Spent₹2,90,30038%
  • Kept₹4,64,70062%
Income
₹7,55,000
Expenses
₹2,90,300
Savings rate
62%

Understand your money

Every rupee, in its place.

The Ledger is your own record of what comes in and what goes out. Income reads green, spending coral, and every amount carries its sign, so the difference never depends on colour alone.
  • Entries grouped by month, with each month’s total
  • Search, category and month filters
  • Bank statements imported from CSV, checked first
LedgerExample figures

Where your money goes

₹2,90,300 spent in total

  1. Rent₹1,68,00058%
  2. Groceries₹54,10019%
  3. Transport₹24,4008%
  4. Utilities₹22,1008%
  5. Health₹12,5004%
  6. Other₹9,2003%

Recent activity

  • Expense

    Books

    Shopping · 24 Sep 2025

    minus ₹2,400
  • Expense

    Electricity and internet

    Utilities · 20 Sep 2025

    minus ₹3,700
  • Expense

    Metro and cabs

    Transport · 14 Sep 2025

    minus ₹4,000
  • Expense

    Weekly groceries

    Groceries · 9 Sep 2025

    minus ₹9,300
  • Expense

    Rent

    3 Sep 2025

    minus ₹28,000

Tax intelligence

Both regimes, worked out in full.

Enter your income and deductions. SmartCA’s tax engine computes both regimes, states the difference in rupees and shows every step. It never chooses a regime for you.
  • Old and new regime computed for AY 2026-27
  • A computation sheet with every step and section
  • Saved computations, stored exactly as calculated
TaxExample: salary ₹14,40,000, 80C ₹1,50,000

Old regime

₹1,91,880

Total tax

Taxable income
₹12,40,000
Deductions applied
₹2,00,000

New regime

₹1,03,740 lower

₹88,140

Total tax

Taxable income
₹13,65,000
Deductions applied
₹75,000

Total tax is ₹1,03,740 lower under the new regime.

Tax liability for the year, before any TDS or advance tax you have already paid.

How the tax was worked out

Tax engine · new regime
  • Slab Tax₹84,750
  • Section 87A rebate (not applicable — above threshold, relief not needed)₹0
  • Surcharge (not applicable — below ₹50,00,000)₹0
  • Health & Education Cess (4%)₹3,390
  • Total Tax₹88,140

Your financial vault

Documents you can trust. Values you confirm.

Upload a Form 16 and SmartCA reads its salary figures, showing the page each one came from. You check them, change anything, and only then are they offered to your tax computation.
  • Form 16 salary figures read from digital PDFs
  • The page each value came from, shown beside it
  • Nothing used for tax until you confirm it
VaultExample figures

  • form16-employer-2025-26.pdf

    Confirmed

    Form 16 · AY 2026-27

    Its values are offered on the Tax page.

  • form16-previous-employer.pdf

    Needs review

    Form 16 · AY 2026-27

    Check the values read from it before they can be used.

Salary income SmartCA will use

Read from PDF · page 2
Gross salary
₹14,40,000
Less: exempt under Section 10
₹0
Salary income
₹14,40,000

The whole picture

From income to insight.

What came in, where it went, what stayed, and what that means — in one continuous reading, the way SmartCA lays out your own figures.

Example: ₹7,55,000 of income; ₹2,90,300 spent, mostly on Rent; ₹4,64,700 kept.

Came in

₹7,55,000

Salary and freelance work, six months

Went out, and stayed

  • Rent₹1,68,000
  • Groceries₹54,100
  • Transport₹24,400
  • Utilities₹22,100
  • Everything else₹21,700
  • Kept₹4,64,700

What it means

You kept 62% of what you earned.

Rent is 58% of your spending — the largest single line, and the first place a change would show.

Example figures, computed by SmartCA’s ledger summary.

Ask SmartCA

Answers that show their working.

Ask about your ledger, your tax under either regime, or Indian income-tax rules. Ask SmartCA answers with SmartCA’s own tools — the tax engine, your ledger and official tax sources — and marks where each figure came from.

  • Asks your permission first, and shows exactly what would be shared
  • Withdraw that permission at any time
  • Explanations are labelled, never presented as the figures themselves

Available when your SmartCA deployment switches on an assistant model. Until then, SmartCA says so plainly.

An example Ask SmartCA answer comparing the two tax regimes, with its sources.

Honest by construction.

Computed, not guessed

Tax comes from a deterministic engine: the same inputs always give the same figures, with the rules version shown.

Nothing used without your say

Form 16 values wait for your confirmation. The assistant waits for your permission.

Every step shown

Derivation trees, section references and sources. If SmartCA can’t support something, it says so.

Know every figure.
See every step.

Record what comes in and what goes out. SmartCA does the arithmetic, works out your tax, and shows its working.

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