CA Tax Guide ↗

Household Financial Overview

Verified balance sheet as of 31-Mar-2026 across Savings Banks, Fixed Deposits, US Equities, Real Estate, and Active Home Loan.

Upcoming Maturities, EMIs, Bills & Action Reminders
Automated due-date radar across credit cards, fixed deposits, insurance renewals, home loan EMIs, and personal reminders
What You Own (Assets — 31-Mar-2026)
100% backed by bank statements, FD receipts, equity brokerage lots & sale deeds
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What You Owe (Liabilities) & De-Duplication Summary
Active Home Loan principal & eliminated internal contra transfers
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How Double-Counting Is Prevented (FY 2025-26)
Month-by-Month Income vs True Spend (Apr 2025 – Oct 2026)
Click any month bar to open its detailed spend breakdown
■ Income ■ True Spend (Bank + CC) ■ Loan EMI ■ Investments

Monthly Spend & Cashflow

De-duplicated spend across all Savings Banks and Credit Cards (excludes own-account transfers and credit card bill repayments).

Monthly Breakdown 2026-01
Select any month to see True Spend, excluded transfers, category breakdown, and transactions
Statement Coverage Notice
Checking statement coverage...

Spend by Category (2026-01)

Category Txns Amount Share

Spend by Account (2026-01)

Account Status True Spend Transfers / Bills
Month-by-Month Summary (Apr 2025 – Oct 2026)
Click any month row or use ManageKar filters, column toggles, and CSV export
All-Time Spend by Category
Category Transactions Total Spend % Share
Top 25 Merchants
Merchant Category Txns Total Spend

Ask Financial Assistant

Ask any question about your bank accounts, FDs, NSCs, LIC, EPF, NPS, home properties, home loan, monthly spend, or taxes.

VERIFIED WAREHOUSE ANSWER • MANAGEKAR DATATABLE ENGINE
Answer
0 records
Advanced: Run Custom Read-Only SQL Query against SQLite Database

All Financial Instruments & Dedicated Category Registers

Explore all 67 household instruments in one unified ManageKar table with top category filter pills, or switch to any dedicated instrument tab (Bank, Credit Card, FD, NSC, Home, Home Loan, LIC / EPF / NPS).

67 Instruments • Net Worth ₹0.00
Unified Household Instruments Master Table (ManageKar Engine)
Click any category pill at the top (Bank, Credit Card, FD, NSC, Co-op, Home, Home Loan, LIC, EPF, NPS, US Stocks), group by category/owner, customize columns, or save custom views
67 Verified Instruments
Savings Bank Accounts Register (13 Accounts — FY 2025-26 Balance & Interest)
Active statement-backed savings accounts + dormant AIS-reconciled passbook accounts
31-Mar-2026 Balance: ₹0.00
Fixed Deposits Register (16 Term Deposits across 4 Banks)
Primary & Spouse term deposits reconciled against Form 26AS / AIS and Sec 64(1)(iv) rules
Active Principal: ₹0.00
Credit Card Statement Cycles (232 Cycles Across 20 Verified Cards)
Opening Balance + New Purchases − Payments = Closing Balance
Credit Card Bill Payments Seen in Bank Statements (232 Settlements)
Identifies card bills paid via CRED, BillDesk, Cheq, Infibeam, or NEFT
232 payments
All Credit Card Transactions (2,513 Line Items)
Filter by card, category, merchant, points, or amount
E-Commerce Order, Return & Cashback Reconciliation
Amazon, Flipkart, Meesho & Myntra order matching, refund shortfalls, and 5% co-brand cashback audit now live in a dedicated first-class view under Bills & Orders.
Department of Posts NSC (VIII Issue) & Co-operative Society Shares
Active & matured National Savings Certificates and Co-operative Bank shareholdings
Immovable Real Estate Properties Register (Schedule AL)
Verified against registered Sale Deeds, Stamp Duty receipts & Schedule AL disclosures
Home Loans & Mortgage Accounts Register (Active & Closed)
Active housing finance mortgage principal & closed historical housing loans
LIC Policies, Employee Provident Fund (EPF), NPS, PPF & Health Insurance
Endowment life policies, EPFO member passbook corpus, Sec 80D group cover, and verified NPS/PPF status

Investments, Real Estate & Home Loan

Foreign RSU/ESPP stock lots, US Brokerage holdings, registered residential properties, and active Home Loan ledger.

Foreign Equity & RSU Stock Lots Register
Converted to INR using official SBI TT Buying Rate under Rule 115
Home Loan Prepayment Calculator
31-Mar-2026 Principal: — • Current Principal: — • Interest Rate: — • Monthly EMI: —
0% Prepayment Penalty
Home Loan Amortization & Prepayment Ledger
Verified monthly EMI schedule, principal vs. interest split, and part-prepayment events

Tax Filing, Audit Alerts & Statement Coverage

10-year Income Tax history (AY 2017-18 to AY 2026-27), automated audit checks, and statement upload inbox.

10-Year Income Tax Return Summary (AY 2017-18 to AY 2026-27)
Verified from official ITR Acknowledgements, JSONs, Intimations u/s 143(1) & Form 16
Open Full 26-Tab CA Tax Guide ↗
Next Year (AY 2027-28 / FY 2026-27) Carry-Forward Checklist
Key items already recorded for next year's return
Item Section Verified Figure Action for AY 2027-28 (FY 2026-27)
Short-Term Capital Loss Set-Off & Carry-Forward Sec 70(2) / Sec 80 — Verify within-year STCL set-off u/s 70(2) and return filing-date carry-forward eligibility u/s 80 / 139(1).
Post-Year-End Foreign Equity Sales & Transfers Schedule CG & FA — Report subsequent FY foreign RSU / brokerage sales and depository transfers in Schedule CG and Schedule FA.
Active Home Loan Principal & Prepayments Schedule AL — Update closing housing loan liability in Schedule AL after accounting for scheduled EMIs and part-prepayments.
Registered Immovable Properties Schedule AL — Report registered residential properties at historical acquisition deed plus stamp duty cost in Schedule AL.
Automated Audit & Reconciliation Alerts
Highlights missing credit card statements, AIS vs bank interest differences, and large flows
0 Findings
Area: Priority:
Upload New Bank or Credit Card Statements (00_Inbox/)
Drag and drop PDF, CSV, or XLS statements here to automatically parse and update your database
Drop Statement PDFs / CSVs / XLS here, or Click to Browse
Automatically unlocks known password-protected PDFs and updates all tables
PDF Auto-Decrypt CSV / XLS / XLSX Zero-AI Local Engine
Statement Availability by Month (2025-03 – 2026-07)
Click any month cell to inspect that month's spend
OK: Statement Verified 0-ACT: No Activity AIS: Interest Only MISS: Statement Needed

Pending Documents & Zero-AI Upload Hub

Formula-driven checklist of missing credit card PDFs, monthly bank statements, and annual tax/retiral proofs. Upload directly below or drop files into 00_Inbox/ — 100% deterministic local Python parsing (zero AI tokens required).

Zero-AI Engine: Active (00_Inbox Watcher)
Direct Portal Upload & Canonical Folder Router (Folders 12–21)
Click Upload File ↑ on any pending row below or drop statements here — automatically decrypts PDFs, routes to Folders 12–21, and refreshes SQLite + offline HTML
0 Pending
Known DOB/PAN/account passwords are tried automatically. Any new password entered here is saved locally so future statements unlock automatically.
Drop Statement PDFs / CSVs / XLS here, or Click to Browse Files
Auto-unlocks encrypted PDFs • Auto-files into Folders 12–21 • Re-computes all tables & pending checklist in <2s
PDF Auto-Decrypt Folders 12–21 Router Instant SQLite + HTML Sync
Organized Pending Documents Checklist
Filter by category, priority, or institution — click Upload File ↑ on any row to upload directly into its canonical folder

Personal Identity, Education, Career, Insurance & Medical Life Vault

Centralized 1-click reference & primary PDF launcher across Family KYC (PAN, Aadhaar, CKYC, Passport, Voter EPIC, Gazette, ABHA), Academic Degrees, Professional Certifications, 10-Year Employment Archive, Insurance Policies, Property Deeds, and Clinical Health Records (Folders 14–21).

Clinical Lab Dashboard ↗ Master Resume PDF ↗
Master Personal & Life Document Vault Register
Filter by domain (Identity & KYC, Degrees & Certifications, Career & Employers, Insurance, Health & Medical, Property & Govt) — click Copy ID or Open PDF on any row

Cards & Banking Vault — Credit & Debit Accounts

Unified showcase and register across 20 Credit Cards and 13 Savings/Debit Accounts with primary-evidence verification and 1-click cross-links to statements, settlements, and transactions.

Card Rail:
Unified Credit Cards & Savings / Debit Accounts Master Register
Inspect card network, credit limit or closing balance, statement cycles, and 1-click cross-links to transactions and PDFs

Bills, Subscriptions, Maturities & E-Commerce Orders

Automated obligation radar across credit card dues, home loan EMIs, insurance renewals, FD/NSC maturities, personal reminders, and 4-marketplace order reconciliation.

Obligations, Maturities & Personal Action Reminders
Combine warehouse-derived due dates (CC bills, EMIs, FD/NSC maturities, insurance renewals) with custom local reminders
E-Commerce Order, Return & Cashback Reconciliation (Amazon • Flipkart • Meesho • Myntra)
Links 4-Account Gmail & Amazon/Flipkart/Meesho/Myntra Browser Orders to Credit Card / UPI Debits, Refunds, Shortfalls & 5% Co-Brand Cashback

Family Health, Clinical Records & Mediclaim Hub

Household clinical lab reports, prescriptions, ABHA & emergency profiles, hospital archives, pharmacy spend, and health insurance coverage (Folder 21 & Sec 80D).

Clinical Lab Dashboard ↗
Clinical Lab Reports, Prescriptions & Hospital Archive
Verified diagnostic reports, specialist consultations, vaccination records, and health policy documents with 1-click PDF launch
Medical & Pharmacy Spend + Health Insurance Claim Reimbursements
Cross-linked bank and credit card medical/hospital/pharmacy transactions and Sec 80D / insurer claim credits