Investments, 80C & tax working
Track every investment, your 80C headroom and the tax working behind them
See ELSS, NPS, PF/PPF, FD, gold, mutual funds and stocks together — with live 80C progress, both tax regimes side by side, and an ITR working sheet where every rupee points at its source row.
What it solves
Most people only discover how little 80C room they have left in March, then scramble — and when filing season arrives, the working behind the return is reconstructed from statements and half-remembered numbers. Finocket keeps every tax-saving investment in one place year-round, then turns the same data into the arithmetic your return is built from: both regimes computed side by side, and a working sheet organised by head of income with each figure tied to the row it came from.
How we're different
This isn't a portfolio app bolted onto a billing tool — tell Finocket you're an individual and the whole app reshapes around your money. And the tax screens are built to refuse rather than guess: they compare the regimes without recommending one, they refuse an assessment year no human has verified against the statute, and the ITR working sheet will not name your return form because a wrong form makes a return defective. Your personal answers live in a table scoped to your own login, with no path for a workspace member to read them.
Inside Investments, 80C & tax working
Every asset class in one list
Live 80C progress
Investments, 80C & tax working
Live 80C progress
Feeds your net worth
Investments, 80C & tax working
Feeds your net worth
Both regimes, no verdict
Investments, 80C & tax working
Both regimes, no verdict
An ITR working sheet, by head of income
Investments, 80C & tax working
An ITR working sheet, by head of income
Investments, 80C & tax working
Live 80C progress
Investments, 80C & tax working
Feeds your net worth
Investments, 80C & tax working
Both regimes, no verdict
Investments, 80C & tax working
An ITR working sheet, by head of income
More in Investments, 80C & tax working
Your tax answers stay yours
The rent, health-insurance premiums and home-loan answers behind the plan sit in a table where every access rule is scoped to your own login — there is no team-sharing path at all, so a workspace member cannot read them. A question you didn't answer stays unanswered in the database rather than defaulting to 'no' on your behalf, and nothing computed is stored: the working is derived fresh every time you open it, so a stale sheet can't exist.
Questions
Which investments can I track?
ELSS, NPS, PF and PPF, fixed deposits, gold, mutual funds and stocks — each with the amount and date, so your total invested and 80C progress stay current.
Does it show how much 80C room I have left?
Yes — a live progress bar toward the ₹1.5 lakh Section 80C limit tells you exactly how much more you can still invest, all year round.
Will it tell me which tax regime to pick?
No, and that's deliberate. It computes both on the figures you entered and states which is cheaper on those figures and by how much, alongside the gaps still missing from your inputs — but there is no 'recommended' regime anywhere in the result, because electing one is your decision with your CA. An assessment year whose rates a human hasn't verified against the statute is refused rather than estimated.
Can it prepare my ITR?
It prepares the WORKING your return is built from, organised by head of income, where every figure points at the row it came from. It will not name your ITR form — no code path in it can — because eligibility depends on facts Finocket doesn't hold, and a wrong form makes a return defective. Exports are PDF or CSV only and watermarked NOT A RETURN. Finocket does not file.
Learn how it works
Your income-tax plan — old regime versus new
One assessment year worked out twice, from your own income and investment rows plus the things Finocket cannot see. It marks which regime costs less on those figures, recommends neither, and refuses outright to compute a year whose rates have not been checked against the Finance Act.
6 min read
The ITR working sheet for your CA
For a year that has finished: your own income re-cut into the heads of income the Income-tax Act uses, with the record behind every figure, a check that every rupee is accounted for, and a PDF or spreadsheet to hand over. It names no return form — deliberately.
7 min read
Personal finance — income, investments & 80C
Track salary, freelance and other income with TDS, log every investment, and watch your 80C progress toward the ₹1.5 lakh limit — kept as yours, not any one company's.
Ready to ditch the spreadsheet?
Free for solo users. No credit card. Your books stay yours.