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Freelancers Ke Liye Finance Guide By wealthchecker Team | Freelancing | 7 min read Freelancing mein freedom hai — par financial planning zyada important ho jaati hai. Koi PF, koi group insurance, irregular income — sab kuch aap khud handle karna hai. Irregular Income Manage Karna Sabse pehle apna "minimum monthly income" figure out karo — woh amount jo guaranteed hai worst mahine mein bhi. Usi se budget banao. Extra income automatically savings mein jaaye. Freelancer Emergency Fund:  Salary employees ke liye 3-6 months, freelancers ke liye 9-12 months ka emergency fund zaruri hai. Slow months cover karne ke liye. Tax — Freelancers Ka Scene Freelancers ko advance tax bharna padta hai quarterly — 15 June, 15 September, 15 December, 15 March. Quarterly Deadline Tax % By June 15 15% of annual tax By September 15 45% cumulative By December 15 75% cumulative By March 15 100% cumulative Business Expenses Deduct Karo Internet, laptop, software, phone bill, co-working space, professio...

Income Tax Bachane Ke 10 Legal Tarike By wealthchecker Team | Tax Planning | 7 min read Tax dena zaroori hai — par zyada dena bilkul zaroori nahi! Government ne itne saare legal tarike diye hain tax bachane ke liye. Chaliye sab samajhte hain. 1. Section 80C — ₹1.5 Lakh Tak Ki Deduction Yeh sabse bada tax-saving option hai. EPF, PPF, ELSS, LIC, home loan principal, tuition fees — sab 80C mein aate hain. Max ₹1,50,000 ki deduction milti hai. 30% bracket mein ho toh ₹45,000 tax bachta hai! 2. Section 80D — Health Insurance Premium Apne liye ₹25,000 aur parents ke liye ₹50,000 (senior citizens ke liye) ki deduction milti hai health insurance premium par. 3. HRA Exemption Rent pe rehne walon ko HRA exemption milti hai. Agar company HRA nahi deti, toh Section 80GG se ₹60,000/year tak ki deduction le sakte ho. 4. NPS — Extra ₹50,000 Ki Deduction Section 80CCD(1B) mein NPS mein ₹50,000 additional invest karke 80C ke upar extra deduction milti hai. 5. Home Loan Interest — Section 24 Home loan k...