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About this tool
Build a personalised year-end money checklist with real statutory deadlines, from tax-saving proofs to nominee updates.
This builder turns your financial profile into a dated year-end money checklist pinned to the real deadlines of the Indian financial year — the section 211 advance tax instalments of 15 June, 15 September, 15 December and 15 March, the 31 July return date under section 139(1), the 31 March cut-off for deductible investments, and the minimum deposits that keep PPF, Sukanya Samriddhi and NPS accounts alive. Salaried employees, freelancers and families get only the tasks that apply to them, sorted by the next deadline, with undated housekeeping like nominee updates and free credit report checks listed alongside.
Open Annual Financial Checklist Builder on AltFTool — it loads instantly in your browser.
Add your input to the workspace.
Adjust the options until the result looks right.
Copy or download the output and put it to work.
Every dated task cites its source — section 211 instalments, Rule 31 Form 16, sections 139(1), 139(4) and 139(5).
Only tasks matching your profile appear, from PPF minimums to Form 15H for senior citizens.
Tasks sort by the next occurrence of each deadline from any date you pick, with items due within 30 days flagged.
The big ones are 15 June, 15 September, 15 December and 15 March for advance tax instalments (cumulative 15%, 45%, 75% and 100% under section 211), 31 July for filing the income tax return without audit, 31 December for a belated or revised return, and 31 March for making tax-deductible investments and the minimum small-savings deposits. Employers must issue Form 16 by 15 June.
Rs 500 per financial year. Miss it and the account is treated as discontinued until you pay a penalty plus the arrears. A related but separate tip: depositing by 5 April earns interest for the whole year, because PPF interest is computed on the lowest balance between the 5th and the last day of each month. Sukanya Samriddhi needs Rs 250 a year and NPS Tier-I Rs 1,000.
Anyone whose tax liability after TDS is Rs 10,000 or more in a financial year, under section 208 of the Income-tax Act. Salaried people whose employer deducts full TDS usually owe nothing extra, but freelancers, business owners and people with large capital gains or interest income typically do. Resident senior citizens with no business income are exempt.
Because both go stale silently. SEBI requires demat accounts and mutual fund folios to have a nomination or an explicit opt-out, and a nomination made years ago may name the wrong person. RBI directions entitle you to one free full credit report a year from each credit bureau — an annual pull is the cheapest way to catch accounts or enquiries you never made. This tool is informational, not tax advice; confirm current dates on the income tax portal.