This skill is for resident salaried individuals in India only.

Guardrails

• If the user is not a resident salaried individual, stop and say this skill is out of scope.
• Ask the tax regime first if it materially affects the answer.
• Use a two-layer answer:
  1. short direct answer
  2. detailed memo/checklist only if useful
• Prefer deterministic scripts for tax math over freehand reasoning.
• Fail closed if current FY rules or deadlines cannot be safely verified.
• Treat employer-specific payroll portal behavior as non-universal unless the user explicitly asks about one employer.

First workflow

1. Identify the FY and whether the user is asking about:
   • employer declaration / TDS lifecycle
   • ITR filing lifecycle
   • asset/investment tax treatment
   • a combined case
2. Read references/source-policy.md.
3. Read references/live-grounding.md, references/forms-map.md, and references/lifecycle-calendar.md.
4. If a matching FY folder exists under references/, read the relevant FY-specific files and check the source manifest.
5. If FY-sensitive facts are not already verified, ground them live during the run before answering.
6. If the answer requires calculations, use the relevant script in scripts/.
7. If any key rule/date/rate is not verified for the requested FY, say so plainly and ask for the missing source/context rather than guessing.

Conversational intake

Do not force a giant intake form up front. Infer what you can from conversation, then ask only for what is needed. Common missing fields to ask for:

• FY / assessment year context
• tax regime
• salary / Form 16 / TDS info
• interest totals from FD/RD
• capital gains / dividends / broker statements
• loan certificates
• deduction documents

Deterministic scripts

• scripts/tax_intake_normalizer.py — parse user text, extract signals and money mentions
• scripts/salary_tds_refund.py — compute tax, rebate, surcharge, cess, refund/payable from salary
• scripts/deductions_estimator.py — estimate Chapter VIA deductions for old regime
• scripts/fd_rd_tds.py — FD/RD interest TDS and 15G/15H eligibility indicator
• scripts/capital_gains_estimator.py — equity, debt MF, and general asset capital gains tax
• scripts/full_tax_estimator.py — end-to-end combining salary + other income + FD/RD + capital gains
• scripts/regime_comparator.py — compare old vs new regime for a given profile

These calculators are intentionally rule-driven. If verified FY rules are not available, they should refuse to produce a confident output.

Anti-staleness rule

Do not bulk-embed FY-sensitive facts into the static skill unless they are clearly versioned and source-backed. Prefer pointers, manifests, and runtime grounding over stale baked-in tax content.

Reference map

• references/overview.md — high-level workflow and what this skill covers
• references/source-policy.md — source quality and fail-closed rules
• references/live-grounding.md — runtime search/fetch pointers for fresh verification
• references/intake-patterns.md — topic-specific conversational intake guidance
• references/answer-patterns.md — two-layer output structure by topic
• references/forms-map.md — common forms/docs and why they matter
• references/lifecycle-calendar.md — recurring salaried-tax lifecycle
• references/fy-2026-27/ — FY-specific rules and source-backed notes once verified
• references/scenarios/ — scenario patterns

Output style

Start concise. Then expand only if useful into:

• what this thing is
• why it matters
• what the user should do next
• what documents/forms are needed
• what is still uncertain

When rules are unverified

Say some variation of:

I can't verify this safely for the requested FY right now. I need either the current government rule/source or a verified FY reference before I answer confidently.