Frequently asked questions

No. Chitragupt is not a filing portal. We show you what your return looks like (right ITR form, both regimes compared, refund or balance due). To get it filed, hire a CA from our marketplace (they set their own price; we take a 10% platform fee) or invite your own CA to view your Tax Review for free.

Today: ITR-1 (salaried, one house property) and ITR-2 (capital gains, more than one house property, foreign income). Tax Review picks the right form for you based on what's in your documents. Not yet: ITR-3 / ITR-4 (full business or professional income). If you fall in that bucket, hire a CA from our marketplace — they handle it end-to-end. Non-individual filers (firms, LLPs, companies, trusts) aren't in scope.

We read your documents and decide. Salary only + one house + small interest → ITR-1. Add capital gains, more than one house, or foreign income → ITR-2. Add business or freelance income → ITR-3 / ITR-4 (those need a CA from the marketplace today). The Tax Review tells you the form and why — you don't pick.

India has two tax systems — old (with deductions for HRA, 80C, 80D, home loan interest) and new (lower rates, almost no deductions). We compute your tax under both, side by side, and tell you which costs you less, with the rupee difference (e.g. “new regime saves ₹14,200”). You can switch in Settings — both answers stay on screen.

Every number on your Tax Review cites the document it came from (your Form 16, your bank statement). Every tax rule references the section of the Income Tax Act. Edge cases the engine can't handle (mixed regime years, NRI returns) get flagged with “hire a CA” — we don't bluff.

For most salaried filers, Form 16 already carries gross salary, employee PF, professional tax, 80C investments, 80D health insurance, HRA, and TDS — almost everything the engine needs. We tell you where Form 26AS or AIS would add more (interest from banks, dividends, capital gains) so you know what else to upload.

No. One-time unlock for AY 2026-27 (Assessment Year 2026-27 = the return you file for income earned 1 April 2025 to 31 March 2026). Full refund within 14 days of unlock.

No. You pay once per Assessment Year. Next year's AY (2027-28) is a separate payment when the time comes. No auto-renewal, no card on file — we charge once and stop.

Refundable for 14 days from unlock. Click “Request refund” in Settings · Billing. Money is back to your card or UPI within 5–7 working days.

Pro Family at ₹799 covers up to 6 PANs in one household for one AY — you, your spouse, parents, kids. One payment unlocks Tax / Expense / Portfolio Review for everyone. Each person's documents stay private to them unless they choose to share. Already on Self? Top up ₹550. On AI Self? Top up ₹300.

Ask a question in plain English — “how much HRA did I claim?”, “which mutual funds did I sell this year?”, “why is my refund only ₹18,000?” — and get an answer that cites the document. AI Q&A is on AI Self (₹499) and Pro Family (₹799). 5 questions per day, resets at midnight IST. On Pro Family the 5/day quota is shared across the whole household. AI Q&A only answers from your confirmed documents — it does not give general tax advice; for that, hire a CA.

In India — Mumbai region. All logins, documents, and parsed numbers stay on servers inside India. Your data never leaves the country.

No. We never extract or store your Aadhaar number. If you upload a scan of your Aadhaar card to keep documents in one place, it sits in your private vault — only you (and people you choose to share with) can see it.

Yes. Settings → Privacy → Delete account. 24-hour grace period in case you change your mind. After that, every document and every parsed number is permanently wiped. We email you a deletion confirmation.

Settings → Support → category “Data rights / grievance (DPDP)”. Routes to our Grievance Officer. Statutory 30-day deadline under DPDP Act 2023 §13.

Yes — free, on every tier. Settings → Sharing → Invite a CA. They get an invite link to sign up and see a read-only view of your Tax Review and the documents you choose. You pick which Assessment Years they can see, and you can revoke access any time.

Only what they choose to share. By default a household view shows combined Expense and Portfolio (so you can see total spending and total investments at a glance). Their personal Tax Review and their Inbox documents stay private — visible only to them — unless they explicitly share back.

India doesn't allow joint returns — every PAN files its own ITR. The household view is a planning lens: it spots things like “you can claim your father's health insurance premium under your own 80D” that you'd miss filing alone.

ClearTax has a limited free ITR-1 path, but the paywall kicks in the moment you have capital gains, more than one house, or anything beyond a basic salary. We're upfront: upload is always free (200 MB), ₹249 once for the full Tax / Expense / Portfolio Review. Past-AY reviews are free for everyone.

The tax math is plain rules from the Income Tax Act — no AI guessing, no black box. AI only shows up in the optional AI Q&A (AI Self / Pro Family), and even there it answers only from your own confirmed documents and cites the source. It does not invent numbers or give general tax advice.