Tax planner
Which tax regime is better for you, your TDS for the rest of the year and the deductions you haven't used.
How it works
Ask “which regime is better for me?”, “how much tax will I pay this year?” or “how can I save tax?”, on WhatsApp or the web. The planner uses payroll's own tax engine with your salary, this year's payslips and your declaration to compare the old and new regimes, show the TDS already deducted and projected for each month left, and list the deductions you haven't used fully (80C, NPS under 80CCD(1B), 80D health insurance, HRA if you pay rent) with how much each would save. It can draft a change to your tax declaration; payroll saves it only when you confirm, and only while the declaration window is open. It names deduction sections and their limits only: it doesn't give investment advice.
Free: no AI model is used, the figures come from payroll
What it reads
- Your salary, this year's payslips and your tax declaration
- Payroll's tax calculation for both regimes
- Anyone else's pay or tax
When it starts
- When you ask it, in Agents or through the Employee assistant on WhatsApp or the web
What it can do
- Change your tax declaration while the window is open (after you confirm)
What it never does
- Recommend investments or products
Safe by design
- One assistant, many agents. Ask the Employee assistant in the app or on WhatsApp; it calls the agents your company has hired that you may use.
- Hired, not switched on. Your admin hires each agent from the catalogue and chooses who can use it.
- Agents propose, people confirm. Anything that changes data, like a leave request, waits for a person to confirm it.
- Same access as the user. An agent sees only what the person asking is allowed to see.
- AI processing in India. Agents run on models hosted in India (AWS Mumbai).
- Budgets and a hard stop. Set a monthly credit limit per agent; agents stop when credits run out.
- Every run recorded. Admins see each run, the credits it used and what it did.
Frequently asked questions
What does the Tax planner do?
Ask “which regime is better for me?”, “how much tax will I pay this year?” or “how can I save tax?”, on WhatsApp or the web. The planner uses payroll's own tax engine with your salary, this year's payslips and your declaration to compare the old and new regimes, show the TDS already deducted and projected for each month left, and list the deductions you haven't used fully (80C, NPS under 80CCD(1B), 80D health insurance, HRA if you pay rent) with how much each would save. It can draft a change to your tax declaration; payroll saves it only when you confirm, and only while the declaration window is open. It names deduction sections and their limits only: it doesn't give investment advice.
Can the Tax planner change data on its own?
No. It asks a person to confirm before it will: change your tax declaration while the window is open. It never does the following: recommend investments or products.
How much does the Tax planner cost?
Free: no AI model is used, the figures come from payroll. Hiring it uses none of your AI credits; it only needs a flowwork.ai plan.
Where is the data processed?
Agents run on AI models hosted in India and see only what the person using them is allowed to see. Admins see every run and the credits it used.
Other agents
Before a pay run is approved, compares it with the last one and lists what stands out: missing bank details or PAN, zero pay, big net pay changes, LOP spikes, joiners and leavers.
Answers “why is my pay lower this month?” by comparing payslips line by line.
Checks a full and final settlement against your own rules before payroll approves it.