In today’s digital age, managing your taxes is no longer a headache. With the rise of fintech in India, several tax-saving apps now help salaried professionals, freelancers, and even business owners save money, file returns, and make informed financial decisions with just a few taps. Whether it’s maximizing deductions under Section 80C, investing in ELSS, or calculating HRA exemptions, these apps offer a seamless way to optimize your income and tax outgo.
In this article, we dive into the best income tax saving apps in India in 2025 that can help you manage your taxes efficiently.
Why Use Tax Saving Apps?
Before jumping into the list, let’s understand why these apps are a game changer for Indian taxpayers:
- Ease of Use: File ITRs in minutes, even without deep tax knowledge.
- Save More: Identify every possible deduction to reduce tax liability.
- Track Investments: Monitor ELSS, PPF, NPS, etc., from one dashboard.
- Avoid Penalties: Get reminders for advance tax, return deadlines, and more.
- Expert Help: Some apps provide CA consultations and audit support.
Top Features to Look for in a Tax Saving App
| Feature | Benefit |
|---|---|
| ITR Filing Support | File all types of ITRs (ITR-1 to ITR-4) |
| Investment Tracking | Monitor tax-saving mutual funds, NPS, PPF, FD |
| Deduction Calculator | Know how much you can save under Sections 80C, 80D, etc. |
| HRA & Rent Tools | Easy HRA, rent receipt generation |
| CA Consultation | One-on-one tax planning advice |
| Real-time Alerts | Deadline reminders, refund status updates |
Best Income Tax Saving Apps in India (2025 Edition)
Here are the top-performing apps trusted by lakhs of Indian taxpayers:
1. Clear by ClearTax
Platform: Android, iOS, Web
Price: Free (Paid plans for advanced features)
ClearTax, now rebranded as Clear, remains one of India’s most popular tax-filing platforms. It helps you e-file returns, claim deductions, and even invest in ELSS – all under one app.
Key Features:
- Smart tax deduction guide based on your income.
- Automated HRA, home loan, and 80C calculations.
- Direct ELSS investments with tax-saving comparison.
- Expert CA assistance available.
Best For: Salaried individuals and freelancers.
2. TaxBuddy
Platform: Android, iOS
Price: Free basic filing; Premium plans start at ₹599
TaxBuddy is designed to maximize tax savings and minimize effort. It uses AI to suggest tax-saving tips based on your income pattern and past filings.
Key Features:
- Expert-backed ITR filing for all income groups.
- Automated tax deduction reports.
- Investment recommendations under 80C, 80CCD, etc.
- GST return filing support.
Best For: Business owners, freelancers, and consultants.
3. ETMONEY
Platform: Android, iOS
Price: Free
ETMONEY combines tax-saving investments and financial planning in one sleek app. Its paperless ELSS investment platform makes it ideal for tax planning under 80C.
Key Features:
- Invest in top-performing ELSS funds with 3-year lock-in.
- Track insurance, mutual funds, and NPS in one app.
- HRA exemption calculator.
- Tax planner tool with real-time suggestions.
Best For: Young professionals and first-time taxpayers.
4. myITreturn
Platform: Android, iOS, Web
Price: Free basic return filing; Expert filing ₹499+
myITreturn is a government-authorized intermediary that enables fast and secure ITR filing. It also provides smart investment ideas to reduce tax burden.
Key Features:
- Personalized tax-saving dashboard.
- Expert-assisted or self-guided return filing.
- Free ITR-V e-verification.
- Tax refund tracking.
Best For: Salaried employees and NRIs.
5. Groww
Platform: Android, iOS, Web
Price: Free
Primarily an investment app, Groww offers easy access to tax-saving ELSS mutual funds, helping users save tax under Section 80C while also building long-term wealth.
Key Features:
- ELSS fund comparison with past returns.
- Paperless KYC and investment.
- SIP and lump sum modes.
- Instant redemption facility after lock-in.
Best For: DIY investors looking to save tax through mutual funds.
6. Paytm Money
Platform: Android, iOS
Price: Free
Paytm Money lets you invest in direct ELSS mutual funds, offering higher returns with zero commission. It also includes a tax-saving tracker to monitor how much you’ve saved.
Key Features:
- Direct mutual fund investments (ELSS, NPS).
- Real-time tax benefit calculator.
- 80C investment planner.
- SIP management tools.
Best For: Users who want investments and tax savings on one platform.
7. Quicko
Platform: Web, Android
Price: Free basic, Paid CA-assisted plan
Quicko is an all-in-one tax filing and planning app with a modern interface. It even supports crypto tax filing, which is rare in Indian apps.
Key Features:
- End-to-end ITR filing for salaried and business income.
- Advanced deduction planner (80C, 80D, 80G).
- Tax calculator for intraday traders, crypto, F&O.
- Smart dashboards with refund tracking.
Best For: Traders, crypto investors, and startups.
Comparison Table of Best Tax Saving Apps in India
| App Name | Best For | ITR Filing | ELSS Investment | Expert Support | Platform |
|---|---|---|---|---|---|
| Clear | Salaried & freelancers | ✅ | ✅ | ✅ | Android, iOS, Web |
| TaxBuddy | Freelancers & business owners | ✅ | ✅ | ✅ | Android, iOS |
| ETMONEY | Beginners & professionals | ❌ | ✅ | ❌ | Android, iOS |
| myITreturn | NRIs & salaried employees | ✅ | ❌ | ✅ | Android, iOS, Web |
| Groww | Investors & tech-savvy users | ❌ | ✅ | ❌ | Android, iOS, Web |
| Paytm Money | Young investors | ❌ | ✅ | ❌ | Android, iOS |
| Quicko | Traders & startups | ✅ | ❌ | ✅ | Android, Web |
Tips to Maximize Tax Savings Using Apps
Here are some quick tips to help you use these apps to their full potential:
- Start Early: Begin tax planning in April instead of rushing in March.
- Use Smart Planners: Apps like Clear and Quicko suggest deductions you may miss.
- Set Monthly Reminders: Use app alerts for investment or tax deadlines.
- Invest Through Direct Plans: Apps like Groww and Paytm Money offer zero-commission funds.
- Use CA Services When Confused: If your income sources are diverse, opt for expert support.
Who Should Use These Apps?
| User Type | Recommended App |
|---|---|
| Salaried Employee | Clear, myITreturn |
| Freelancer | TaxBuddy, Quicko |
| Investor | Groww, Paytm Money |
| NRI | myITreturn |
| Business Owner | Quicko, TaxBuddy |
| First-Time Filer | ETMONEY, Clear |
Conclusion
With growing awareness about financial planning and tax optimization, these income tax saving apps in India are empowering millions to take charge of their finances. Whether you’re a first-time taxpayer or a seasoned investor, choosing the right app can help you save thousands in taxes, avoid filing errors, and build long-term wealth.
From Clear’s expert-assisted returns to ETMONEY’s ELSS insights, and Quicko’s support for traders, there’s something for everyone. Make sure to evaluate features, ease of use, and expert support before choosing your go-to app for the year.
FAQs – Income Tax Saving Apps in India
Q1. Are these apps safe to use?
Yes, all the apps mentioned are registered with relevant regulatory bodies like SEBI, and use encrypted data for transactions and filings.
Q2. Can I file ITR for free using these apps?
Yes, most apps offer basic ITR filing for free. However, you may pay extra for expert help or premium features.
Q3. Which app is best for ELSS tax saving investment?
ETMONEY, Groww, and Paytm Money are ideal for ELSS investments with easy tracking and SIP options.
Q4. Do these apps support crypto or F&O tax calculation?
Only a few like Quicko offer support for crypto and trading income tax calculations.