The Problem Statement

Individual taxpayers file their Income Tax Returns every year, but unlike corporates, they do not have access to structured analytics that show how their income, deductions, taxes, and net worth are evolving over time.

Chartered Accountants also spend significant time on compliance–oriented filing instead of delivering data-driven insights, largely because such analysis is manual, time-consuming, and not available in a consolidated form.

This results in missed tax-planning opportunities, lack of year-on-year visibility, and limited value addition in advisory services.

The Solution — ITR (Intelligent Taxpayer Report)

ITR is an AI-augmented analytical tool that converts raw ITR JSON files of up to three years into a comprehensive, visually rich, decision-ready report for individual taxpayers.

The tool extracts, sanitizes, and compares income heads, deductions, salary breakups, capital gains, and tax liabilities, and presents them through a comparative table, bar/line/pie charts, and an AI-generated expert summary.

It provides:

1. Three-year trend analysis
2. Net-worth estimation
3. Automated anomaly detection (falling deductions, sudden spikes, etc.)
4. A clean, client-ready PDF export

All of this transforms standard ITR filing into a value-added financial insight report.

AI Implementation & Technologies Used

AI Components

1. Gemini 2.5 Flash API for:
2. Automated expert summary/Real-time question answering via the “Ask Gemini” chatbox

Technologies Used

1. JavaScript (vanilla) - complete frontend computation
2. PDF.js - TIS (Taxpayer Information Summary) PDF parsing with password support
3. HTML2Canvas + jsPDF - client PDF generation
4. Chart.js - bar, line, and pie visualizations

Impact, Efficiency Gains, and Scalability

Impact

1. Converts compliance filing into data-driven tax advisory
2. Helps taxpayers understand their income composition, tax efficiency, and net worth trajectory
3. Enables CAs to provide high-value insights without manual work

Efficiency Gains

1. What typically requires hours of manual comparison is automated in under 10 seconds
2. Eliminates errors in year-on-year comparison.
3. TIS vs ITR auto-matching gives immediate accuracy score.
4. Generates ready-to-share PDF reports instantly.

Scalability

1. Works for any individual filing ITR-1 or ITR-2, Extensible to ITR-3/4/5/6 modules.
2. Can scale to CA firms as a client-servicing dashboard.
3. 100% browser-based → scalable across devices without infrastructure.

Key Benefits

1. 📊 Three-year Comparative Financial View
2. 🤖 AI-driven insights with zero hallucination
3. 🧾 TIS vs ITR Match Score for accuracy validation
4. 🔍 Clear visibility of exemptions, capital gains, and deductions
5. 🛠 Transforms CA practice from compliance to advisory
6. 📄 Clean client-facing PDF report

Vision

To empower every taxpayer in India with clear financial visibility, and enable Chartered Accountants to deliver data-backed, AI-assisted tax advisory services — thereby enhancing trust, literacy, and decision-making for individuals.

The long-term vision is to evolve this into a full-fledged Personal Tax Analytics Platform, including:

1. Multi-year trend intelligence / Peer comparison (salary bands / industry groups)
2. Predictive tax planning / Integration with AIS/TIS for automated validations

PREVIEW OF TOOL (HTML BASED):

Upload 3 years JSON files by clicking on Choose Files and click “Process”

Post clicking Process button, below is the preview of Comparative Table

Auto Generated Graphs:

AI Generated Summary, after reading the numbers:

Ask Gemini (Chatbox):

Upload TIS (shows the % which states how much % we consider in ITR compared to TIS information)

You can click on Download PDF option to download and send to client for reference

Scan the QR code to access & download the code & HTML page to open the tool and upload ITRs.