Every business has a CFO.
Your family deserves one too.

Yes, in several situations. If you missed the due date you can still file a belated return, and if you already filed but made an error you can file a revised return — both remain open after 31 July, with late-filing fees and interest where applicable. Separately, ITR-3 and ITR-4 for business and professional income have their own later due dates. Our CA team will tell you exactly which route applies to you before you pay anything.

An HUF (Hindu Undivided Family) is a separate tax entity with its own PAN. Because it is assessed separately, an eligible family can get a second basic exemption, a second LTCG exemption limit, and more room below the surcharge threshold. The actual saving depends entirely on your income mix, so start with the free HUF calculator — it computes your real number before you spend anything. If it makes sense, our 7-step wizard handles deed, PAN, bank account and compliance.

Yes. Your financial data is stored on servers in India only — AES-256 encryption, HTTPS everywhere, DPDP Act 2023 compliant. We never sell your data. Our CA team is bound by ICAI professional secrecy. We use Microsoft Clarity to see how the site is used, which masks everything you type; advertising scripts load only after you accept cookies. Read Security Policy →

No bank account linking required. You can manually enter transactions or upload your bank statement as CSV or PDF. No account credentials are ever shared with us.

No. VittSphere ONE is not a SEBI-registered investment adviser or research analyst. Forensic Mode, Stock X-Ray and ARTHA outputs are research and education tools built to help you understand a company's numbers — they are not recommendations to buy, sell or hold. Investments in securities are subject to market risk. Please consult a SEBI-registered adviser before investing.

XIRR (Extended Internal Rate of Return) accounts for the timing of every SIP instalment — when you invested, how much, and when you got returns. Simple CAGR or NAV growth shown by most apps ignores this and can overstate returns. Our XIRR calculation uses the same methodology as professional portfolio managers.

The platform is built by a practicing CA and all tax calculations reference the relevant sections of the Income Tax Act 1961. Treat AI output as intelligent guidance and rely on the CA review for filing decisions — for ITR filing itself, a qualified CA reviews your computation before submission.

If you file your ITR via VittSphere ONE and later receive a notice or demand for that filing year, our VittSphere Tax team and CA partners handle the assessment-level response at zero additional cost — including Sec 139(9), 143(1), 143(2), 148, 156 and 245 responses and demand handling. CIT(A) first-appeal representation is offered at our CA team's discretion after reviewing the merits of the case. Conditions: you must have disclosed all income honestly during filing and share documents as requested. Cover does not extend to concealment, misreporting or income not disclosed to us. VittSphere Tax launches August 2026 and paid ITR filing customers are auto-enrolled.

Forensic Mode is our stock analysis engine — it produces a 10-tab report on any Indian stock in about 95 seconds: Verdict, Valuation, Growth, Scenarios, Risk & Tax, Quarterly, Peers, News, Holders, Technical. Each tab is anchored to live market data with deterministic math checks, sector seasonality awareness, catalyst timeline and India-specific tax computation. It is a research and study tool, not investment advice.

Yes. The Family plan supports 4 member profiles and Premium supports 6. You can track each person's investments, tax position and goals separately — while seeing a combined family net worth and a tax-optimised view across the family unit.

Subscriptions carry a 30-day money-back guarantee — if you are not satisfied within 30 days of your first payment, email info@vittsphere.com and we refund in full. One-off services that have already been delivered (a submitted ITR, a completed CA call, a generated HUF deed, consumed report packs) are not refundable. Full Refund Policy →

Groww and Zerodha are trading platforms — they help you buy and sell. ET Money tracks spending. ClearTax does ITR but no investment analysis. INDmoney tracks net worth but has no CA-grade tax engine. VittSphere ONE combines detailed stock research, CA-backed ITR filing, HUF setup and an AI advisor — all built by a practicing Chartered Accountant, from ₹4,499/year.