Does DrishtiTax use an LLM to compute my tax?

No. The computation is deterministic — the math is statutory, the rules are explicit, and the output is reproducible. The same document produces the same answer every time. This is a design choice for reliability.

What happens when my document cannot be read confidently?

DrishtiTax abstains. Rather than invent a number to fill a box, it tells you it could not extract the figure with confidence and asks for a clearer document. Abstention is pinned by regression tests.

Does it tell me which fund or scheme to buy?

No. Options such as ELSS funds and NPS managers are listed alphabetically, never ranked or recommended. This keeps DrishtiTax on the right side of the SEBI investment-adviser boundary.

Methodology

How DrishtiTax computes your savings

An honest tool earns trust by being explicit about how it works. Here is the method behind every number in a DrishtiTax report.

See it on my filing Data security

Statutory and deterministic

DrishtiTax checks your filing against rules in the Income-tax Act, 1961, with the latest Finance Act amendments. The computation is deterministic — there is no large language model in the calculation pipeline. The math is the statute; the output is reproducible. The same document, uploaded twice, returns the same answer.

What the engine checks

Old vs new regime, computed on your actual figures rather than a generic estimate
Section 80C, 80CCD(1B), 80CCD(2), 80D, 24(b), 80E, 80G and other applicable deductions
HRA recomputed against actual rent
Rebate under Section 87A, surcharge where relevant, and 4% cess
AIS vs Form 16 reconciliation

Abstention over invention

When the parser cannot read a document confidently, DrishtiTax says so instead of manufacturing a figure. This behaviour is pinned by a regression-test suite, so it cannot silently drift as the code changes. We would rather under-promise than show a confident number we cannot stand behind.

Listed, never ranked

Where the report mentions instruments — ELSS funds, NPS managers — they are listed alphabetically and never ranked or recommended. DrishtiTax gives category-level guidance and leaves the specific product choice to you. This is a deliberate compliance boundary.

What it does not do

DrishtiTax does not file your return, does not give personalised investment advice, and does not replace a Chartered Accountant. For complex situations — capital gains, multiple employers, business income — it recommends professional review.

Frequently asked questions

Educational information

The methodology described here is for transparency. DrishtiTax provides educational analysis, not legal or chartered-accountancy advice. Verify your filing with a qualified professional where needed.

A method you can check, on your numbers

Upload one document — Form 16, AIS or ITR. See your estimated savings opportunity in under a minute. The preview is free; pay only if the report is worth it to you.

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