# Tax Planning in India

> Regime selection and deduction planning should be done from your actual income pattern, not generic social media advice.

Tax planning and filing guide for India

_Last updated: 2026-03-08_

Canonical: https://www.tldr.money/tax-planning

## New vs old regime

Start with your deduction potential before choosing a regime.

## Deductions checklist

See the [income tax deductions guide](/articles/tax-planning/income-tax-deductions-guide) for 80C, 80D, 80CCD, HRA, and 24(b). For linked context, [Health Insurance](/health-insurance) covers Section 80D and [Term Life Insurance](/term-life-insurance) covers 80C-linked protection planning.

## ITR filing flow

Choose the right form first. Filing speed is secondary to correctness. See [which ITR form to file](/articles/tax-planning/which-itr-form-to-file) and [how to file ITR online](/articles/tax-planning/how-to-file-itr-online).

## Deadlines and penalties

Track filing windows to avoid avoidable penalty interest. See [tax filing deadlines & penalties](/articles/tax-planning/tax-filing-deadlines-fy2026-27).

## More tax guides

- [Income tax deductions guide](/articles/tax-planning/income-tax-deductions-guide)
- [Best 80C investment options](/articles/tax-planning/best-80c-investment-options)
- [HRA exemption explained](/articles/tax-planning/hra-exemption-explained)
- [Advance tax guide](/articles/tax-planning/advance-tax-guide)
- [Tax saving for freelancers](/articles/tax-planning/tax-saving-for-freelancers)

## Define the jargon

- [Finance glossary: 80C, 80D, HRA, presumptive taxation](/glossary)