Meet Zaxo

Zaxo decides automatically based on your documents. Most salaried users — single or multiple employers, bank interest, optionally one house property — file ITR-1 at ₹499. If you have capital gains (stocks, mutual funds, crypto, property), foreign income, RSUs/ESOPs, multiple house properties, or total income above ₹50 lakh, you'll file ITR-2 at ₹999. If your case requires ITR-3 or ITR-4 (business or presumptive income), Zaxo tells you upfront and suggests a CA — before you pay.

Three PDFs: Form 16 from each employer, Form 26AS (the consolidated TDS statement), and AIS (Annual Information Statement). Zaxo walks you through downloading 26AS and AIS from incometax.gov.in step by step. Once uploaded, Zaxo reads all three, cross-checks the numbers, and flags inconsistencies before you file.

Zaxo computes your tax under both regimes and recommends the cheaper one based on your actual deductions. The New regime (now the default) usually wins for filers with limited Chapter VI-A claims — its slabs are widened and the standard deduction is ₹75,000. The Old regime wins when you have substantial 80C, 80D, HRA, or home loan interest. You see a side-by-side comparison and the rupee difference before confirming.

Upload all of them. Zaxo aggregates gross salary, exempt allowances (HRA, LTA), s.16 deductions, Chapter VI-A claims, and TDS across every employer. There's no cap on the number of Form 16s per filing.

You file it.Zaxo produces a personalized step-by-step Filing Guide that tells you the exact value to enter in every field on incometax.gov.in, in the order the portal presents them. We deliberately don't generate an upload-ready JSON because the income-tax portal's offline utility changes mid-season — manual entry alongside Zaxo's guide is more reliable.

PAN and bank account numbers are encrypted at rest with AES-256-GCM. Your Form 16, 26AS, and AIS PDFs sit in Firebase Storage scoped strictly to your account — only you can read them, even from the server. We don't sell or share data. Filings, messages, and uploaded documents are erased 30 days after your ITR reaches filed status — giving you a window to re-download your guide before everything goes. Payment records are kept longer (7 years) for financial-records compliance, but anonymised the moment you delete your account.

Yes — both rights are guaranteed under the DPDP Act 2023, and Zaxo ships them as one-click self-service. From your Account page you can download a complete JSON export of everything we hold (profile, every filing with PAN/bank decrypted, full chat history, payments) or permanently delete your account after a type-your-email confirmation. Deletion wipes documents, filings, chats, and your sign-in; payment rows are anonymised but retained for the statutory financial-records window.

Your filings, messages, uploaded PDFs, and account live in Firebase (Firestore + Storage) in Google's asia-south1 region — Mumbai. Payments run through Razorpay, which is India-based. The only cross-border hop is the AI itself: when Zaxo's agent reads your documents or replies to a chat message, that prompt is sent to Anthropic's Claude API in the United States. Anthropic doesn't train on the data and retains it for at most 30 days for abuse monitoring. This is disclosed in our Privacy Policy as a DPDP-mandated cross-border transfer.

Email our Grievance Officer at grievance@zaxo.tech. We respond within 7 business days, as required of every Data Fiduciary under the DPDP Act 2023. Use this address for: data-rights requests we couldn't fulfil through /account, consent withdrawals beyond account deletion, suspected breaches, or anything that needs a human at Zaxo.

Form 10-IEA is the regime-switch declaration. If you used the New regime last year and want to switch to Old this year (or vice versa), you must file Form 10-IEA on the portal beforefiling your ITR. Zaxo detects the switch, walks you through filing 10-IEA, and captures the acknowledgement number. First-time filers and people staying in the same regime don't need to do this — Zaxo skips it entirely.

Zaxo only claims deductions you explicitly confirm, and cross-references Form 16 against Form 26AS and AIS so any income the IT department already knows about (savings interest, FD interest, dividends) gets reported. Your notice risk is the same as filing with a careful CA — significantly lower than typical DIY filing where users miss income shown in 26AS/AIS or over-claim deductions they can't back up.

Zaxo's AI agent files ITR-1 and ITR-2 for resident individuals directly. For business income (ITR-3), presumptive taxation (ITR-4 — 44ADA / 44AD), HUF/partnership filings, or non-resident status, Zaxo connects you with a vetted Chartered Accountant through our tax-expert connect flow. The same documents you upload (Form 16, 26AS, AIS) are shared with the CA — no rework. You only pay if you go ahead with the quote.

The chat stays open the whole time you're filing. Type your question — "the portal shows a different TDS amount", "I can't find the field for 80CCD(1B)", "what do I do if validation fails?" — and Zaxo answers in context. Your filing guide and conversation history persist for the season; you can close the tab, come back tomorrow, and resume where you left off.