# Introduction

## Welcome to TaxAible

TaxAible is Pakistan's first AI-powered tax assistant, designed to simplify tax preparation, advisory, and filing for individuals and businesses.

Our mission is to bridge the gap between complex tax laws and the everyday taxpayer using state-of-the-art proprietary AI technology.

### Table of Contents

* **Introduction**
  * Overview
  * Welcome & Getting Started
* **Core Features**
  * AI Tax Chat
  * Intelligent Document Parsing
  * Voice Assistant (Voice2Voice)
  * Auto-Reconciler
  * Audit Shield
  * Tax 7E Wizard
* **Integration**
  * IRIS Connector
* **Security**
  * Privacy & Data Security
* **Support**
  * Frequently Asked Questions (FAQ)
  * Glossary of Terms

### Key Capabilities

* **Real-time Voice2Voice**: Interact with your tax assistant naturally using our ultra-low latency voice system.
* **Intelligent Reconciliation**: Balance your wealth statement automatically with AI-driven suggestions.
* **Proactive Audit Shield**: Scan your return for 50+ risk factors before filing with the FBR.
* **Specialized Wizards**: Navigate complex tax areas like Section 7E (Property Tax) with step-by-step guidance.
* **Seamless Filing**: Sync your data directly to the FBR IRIS portal using our dedicated browser extension or automated filing through our direct pipeline.

***

*TaxAible is an independent tool and is not officially affiliated with the Federal Board of Revenue (FBR) of Pakistan.*


# Platform Overview

High-level Platform Vision

TaxAible is built on a robust architecture designed for accuracy, security, and ease of use.

### Core Pillars

#### 1. AI-First Logic

Unlike traditional tax software that relies on static forms, TaxAible uses Generative AI and advanced proprietary models to interpret Pakistani tax law. This allows for a more natural interaction where the system understands context and nuances.

#### 2. IRIS Integration

The biggest pain point in Pakistani tax filing is the FBR IRIS portal. TaxAible solves this with the **IRIS Connector**, a browser extension that maps your calculated tax data directly into the IRIS form fields, saving hours of manual data entry.

#### 3. Data Privacy

We encrypt sensitive information and use secure database practices. Your tax data is yours alone, and we only use it to help you prepare your returns.

#### 4. Continuous Updates

Tax laws in Pakistan change frequently. TaxAible's AI engine is regularly updated with the latest Finance Acts and SROs to ensure compliance with current regulations.


# Privacy & Security

Data Protection & Encryption

At TaxAible, we understand that tax data is highly sensitive. We have implemented several layers of security to protect your information.

### Data Encryption

* **In-Transit**: All communication between your browser and our servers is encrypted using SSL/TLS.
* **At-Rest**: Sensitive data, such as IRIS credentials, is encrypted using industry-standard AES encryption protocols before being stored in our database.

### Secure Authentication

We use secure session management to protect your account. This ensures that your session is tied to your browser and expires after a period of inactivity.

### Bot Protection

To prevent brute-force attacks and automated sign-ups, we use advanced bot protection on all authentication endpoints.

### Third-Party Integrations

* **AI Processing**: We use highly secure, enterprise-grade AI models for data processing. All data is processed according to strict privacy standards.
* **Infrastructure**: Our database and infrastructure are hosted on secure enterprise cloud platforms that provide robust physical and network security.

### Your Rights

You can request to delete your account and all associated tax data at any time through the support.


# Getting Started

First Steps with TaxAible

## Getting Started with TaxAible

Welcome to TaxAible! This guide will help you set up your account and get ready for your first tax filing.

### 1. Create an Account

Head over to the sign-up page and create an account using your email. We use secure session-based authentication to keep your data safe.

### 2. Complete Your Profile

Once logged in, go to the Profile section. You'll need to provide:

* **Full Name**
* **CNIC (Optional but recommended for IRIS sync)**
* **Residential Status**
* **Primary Source of Income**

### 3. Start a Conversation

The easiest way to use TaxAible is to simply chat with it. You can say things like:

* "What are the tax slabs for 2024?"
* "Can I claim a tax credit for my life insurance?"
* "How do I file my return as a salaried individual?"

### 4. Upload Documents

If you have salary slips or bank statements, upload them directly in the chat or the Documents section. Our AI will extract the relevant figures for you.


# Account Setup

Onboarding & Verification

Setting up your TaxAible account is simple and takes less than a minute.

### Step 1: Sign Up

Go to the Register page. You will need:

* A valid email address.
* A strong password.

### Step 2: Verification

Check your email for a verification link. Once verified, you can log in to the dashboard.

### Step 3: Security

We recommend using unique passwords and not sharing your sensitive details with anyone.\
TaxAible will never reach out to you personally for your sensitive data.


# Profile Management

Managing Tax Profiles

## Completing Your Profile

Your tax profile is the foundation for all calculations on TaxAible.

### Why it matters

The AI uses your profile details (Residential Status, Income Type, etc.) to determine which tax slabs and exemptions apply to you.

### Required Information

* **CNIC**: Required for IRIS syncing.
* **Residential Status**: Resident or Non-Resident (affects tax rates).
* **Employment Type**: Salaried, Business, or Freelance.
* **Tax Year**: The current fiscal year you are filing for.

### Updating your profile

You can update your profile at any time. However, if you change your profile after a tax review, we recommend re-running the review to ensure accuracy.


# Features

Core Features

**Features**

* [AI Tax Chat](/features/tax-chat)
* [Intelligent Document Parsing](/features/document-handling)
* [Voice Assistant (Voice2Voice)](/features/voice-assistant)
* [Auto-Reconciler](/features/auto-reconciler)
* [Audit Shield](/features/audit-shield)
* [Tax 7E Wizard](/features/tax-7e-wizard)


# Tax Chat

AI-Powered Tax Advisory

## AI Tax Chat

The AI Chat is the core interface of TaxAible. It's like having a tax consultant in your pocket.

### How it works

Powered by advanced proprietary AI models, our chat understands natural language. You don't need to know complex tax codes; just describe your situation.

### Capabilities

* **Real-time Answers**: Ask about tax slabs, deductions, and credits.
* **Scenario Testing**: "What happens to my tax if I earn 1 million more this year?"
* **Policy Guidance**: Understand recent changes in the Finance Act.

### Best Practices

* Be specific about your income sources.
* Mention your residential status if asking about international income.
* Ask for a summary of the conversation if you want to save the key points.


# Document Handling

Automated Data Extraction

## Document Parsing

Stop typing and start uploading. Our document parsing feature extracts data from your financial documents automatically.

### Supported Documents

* **Salary Slips**: Standard formats from major organizations.
* **Bank Statements**: Transaction exports in PDF or CSV.
* **Tax Certificates**: Dividend warrants, interest certificates, and withholding statements.

### How to use

Simply drag and drop your files into the upload zone or attach them in the AI Chat. The system will process the file and show you a preview of the extracted data for confirmation.

### Accuracy

Our AI is trained on Pakistani financial documents. However, we always recommend reviewing the extracted figures before finalizing your return.


# Voice Assistant

Documentation for the real-time, low-latency Voice2Voice interface for hands-free filing.

The **Voice Assistant** is an industry-first, real-time interactive tax consultant. It allows you to complete your tax return through natural conversation, making the filing process as simple as talking to a professional advisor.

### Real-time "Voice-to-Voice" Interaction

Unlike traditional voice-command systems that require "push-to-talk" or have significant delays, our Voice Assistant uses cutting-edge streaming technology to provide a fluid, low-latency conversation.

* **Natural Flow**: You can speak naturally, interrupt the assistant, and ask follow-up questions just like a human conversation.
* **Contextual Awareness**: The assistant understands the context of your previous statements and the current state of your tax return.
* **Hands-Free Filing**: You can provide details about your income, assets, and expenses entirely by voice.

### Capabilities

#### 1. Interactive Interview

The assistant can guide you through the entire tax filing journey. It asks relevant questions based on your profile (e.g., "Did you sell any property this year?" or "Do you have any foreign income?") and records your answers directly into the system.

#### 2. Instant Tax Advisory

You can ask complex tax questions at any time:

* *"What is the tax rate for a dividend from a private company?"*
* *"Can I claim a tax credit for my life insurance premium?"*
* *"Explain the 7E tax on my farmhouse."*

#### 3. Data Entry & Correction

Tell the assistant to update specific fields:

* *"Add a utility bill expense of 50,000 rupees."*
* *"I forgot to mention a bank account with a balance of 200,000."*
* *"Change my vehicle registration value to 1.5 million."*

### Getting Started

1. **Enable Microphone**: Click the microphone icon on the dashboard or within the chat interface. You will need to grant your browser permission to access your microphone.
2. **Start Speaking**: Once the "Live" indicator appears, you can start talking. There is no need to wait for a prompt.
3. **Review Updates**: As you speak, you will see your tax return data updating in real-time on the screen.
4. **End Session**: Click the "Disconnect" or "Stop" button to end the voice session. Your data is saved automatically.

### Privacy and Safety

The Voice Assistant is designed with privacy as a priority:

* **Streaming Only**: Your voice audio is processed in real-time to generate text and intent. We do not store raw audio recordings of your conversations.
* **Secure Processing**: All voice data is encrypted during transit and processed within our secure, proprietary environment.
* **Verification**: The assistant will always repeat critical financial figures back to you for confirmation before updating your permanent record.

> \[!IMPORTANT] The Voice Assistant is an AI-powered advisory tool. While it is trained on the latest tax codes, always review the final summary on the "Review" page before submitting your return to the FBR.


# Audit Shield

Risk Check

**Audit Shield** is a proactive risk management tool that scans your tax return for potential "red flags" that might trigger an FBR audit. It acts as a final layer of defense, ensuring your return is not only balanced but also optimized for compliance.

### How It Works

Audit Shield uses an advanced rules engine combined with sector-specific benchmarks to evaluate your return. It assigns an **Audit Probability Score** (from 0% to 100%) and categorizes risks as High, Medium, or Low severity.

### Key Components

#### 1. Risk Scoring

The higher your score, the lower the probability of an audit.

* **Green (85-100%)**: Low risk. Your return follows standard patterns and is well-documented.
* **Yellow (60-84%)**: Medium risk. Some anomalies or aggressive deductions were detected.
* **Red (<60%)**: High risk. Significant discrepancies or "red flag" patterns are present.

#### 2. Detailed Flag Breakdown

The tool identifies specific issues across multiple categories:

* **Income Inconsistencies**: Large variations in year-over-year income without explanation.
* **Expense Ratios**: Personal expenses that appear abnormally high or low compared to declared wealth.
* **Wealth Reconciliation**: Small mathematical errors that, while not blocking filing, might attract scrutiny.
* **Sector Benchmarks**: For business individuals, the system compares your margins against industry standards.

#### 3. Actionable Advice

Audit Shield doesn't just find problems; it tells you how to fix them. Each "flag" comes with:

* **Detailed Explanation**: Why this item was flagged.
* **Mitigation Strategy**: Specific steps to take to lower the risk (e.g., "Declare the source of this gift" or "Attach proof of tax deduction").
* **Direct Navigation**: A link that takes you exactly to the field that needs attention.

### Using Audit Shield

1. **Complete Your Draft**: Fill out your income, wealth, and expense details.
2. **Run Scan**: Navigate to the "Audit Shield" page. The system will automatically perform a comprehensive scan of your data.
3. **Review Flags**: Examine each flagged item. Pay closest attention to "High Severity" flags.
4. **Implement Fixes**: Follow the advice provided and update your data.
5. **Re-scan**: As you make changes, the Audit Shield score updates in real-time, allowing you to see the immediate impact of your corrections.

### Benefits

* **Peace of Mind**: File with confidence knowing your return has been scrutinized by an expert logic engine.
* **Minimize Scrutiny**: By fixing common red flags, you significantly reduce the chance of receiving an FBR notice for audit or clarification.
* **Financial Savings**: Avoiding audits saves you the time and expense of hiring tax lawyers and dealing with potential penalties.

> \[CAUTION] Audit Shield is an advisory tool. While it uses sophisticated logic to detect risks, a high score does not guarantee that you will not be selected for audit by the FBR, as some audits are conducted on a random basis.


# Auto-Reconciler

Detailed guide on balancing wealth statements and using AI-driven suggestions to fix reconciliation gaps.

The **Auto-Reconciler** is a sophisticated financial balancing tool designed to solve the most common challenge in Pakistani tax filing: reconciling the Wealth Statement. It ensures that your net assets, inflows, and outflows are mathematically consistent, preventing "Unreconciled Amount" errors on the FBR IRIS portal.

### Overview

Tax laws require that the increase or decrease in your net assets must be equal to your total inflows (income, gifts, loans) minus your total outflows (personal expenses, taxes paid). If these figures do not balance, the return is considered defective.

The Auto-Reconciler uses advanced logic to identify these discrepancies and suggest precise adjustments to achieve a zero balance.

### Key Features

#### 1. Real-time Discrepancy Detection

As you enter your financial data, the system continuously calculates your reconciliation state. It highlights exactly how much you are "over" or "under" balanced.

#### 2. Intelligent Suggestion Engine

Instead of leaving you to guess where the error lies, the Auto-Reconciler analyzes your profile and suggests the most likely sources for the missing or extra funds:

* **Missing Inflows**: Identifies potential forgotten income sources like gifts, foreign remittances, or past savings.
* **Unaccounted Expenses**: Suggests adjustments to personal expenses if your outflows appear too low for your lifestyle.
* **Asset Valuation Errors**: Checks for inconsistencies in asset registration values.

#### 3. "Fix with AI" Modes

The tool offers two distinct approaches to balancing your statement:

**Standard Mode**

The system makes safe, conservative adjustments based on the most common tax-compliant categories. This is ideal for users with straightforward financial records.

**Expert Mode**

For complex portfolios, Expert Mode provides deeper analysis. It looks at historical trends and sector-specific benchmarks to propose a comprehensive reconciliation strategy that minimizes future audit risks.

### How to Use the Auto-Reconciler

1. **Access the Tool**: Navigate to the "Reconciler" tab from your dashboard or within the filing assistant.
2. **Review the Gap**: Look at the "Unreconciled Amount" displayed at the top. A positive number means you have "excess" money that hasn't been assigned to an inflow; a negative number means your expenses/assets exceed your known income.
3. **Generate Suggestions**: Click the **"Analyze & Suggest"** button. The system will present a list of recommended fixes.
4. **Apply Fixes**: You can review each suggestion individually. Click **"Apply Fix"** to automatically update your return data.
5. **Final Validation**: Once the unreconciled amount reaches zero, the system will mark your Wealth Statement as "Balanced."

### Benefits

* **Avoid Penalties**: Prevents filing defective returns that can lead to legal notices.
* **Time Saving**: Reduces hours of manual calculation and cross-checking to seconds.
* **Accuracy**: Ensures mathematical precision across all tax codes.

> \[TIP] Always review the suggestions made by the Auto-Reconciler. While the system is highly accurate, it is your responsibility to ensure all applied adjustments reflect your actual financial reality.


# Tax 7E Wizard

Step-by-step guide for calculating the 1% property tax and maximizing legal exemptions.

The **Tax 7E Wizard** is a specialized tool designed to help you navigate the complexities of "Tax on Deemed Income" under Section 7E of the Income Tax Ordinance. It ensures that your immovable property holdings are correctly declared and that you only pay the tax you legally owe.

### What is Section 7E?

Introduced by the FBR, Section 7E treats a certain percentage of the value of your immovable properties (land and buildings) as "deemed income," even if you are not earning rent from them. This deemed income is then taxed at a specific rate.

Effectively, this amounts to a **1% tax on the Fair Market Value (FMV)** of properties that exceed the threshold and do not qualify for exemptions.

### The 25 Million Threshold

Section 7E only applies if the total aggregate Fair Market Value of all your immovable properties in Pakistan exceeds **PKR 25 Million (2.5 Crore)**.

* If your total property holdings are below this amount, you are generally exempt.
* If they exceed this amount, you must calculate the tax, taking into account specific exemptions.

### Key Exemptions

The Wizard helps you identify properties that are excluded from this tax, such as:

* **Primary Residence**: One self-owned residential property where you live.
* **Government Allotted**: Property allotted to serving or retired government/armed forces employees.
* **Agricultural Land**: Land used for actual agricultural activities (excluding farmhouses).
* **First Year of Acquisition**: Properties acquired within the current tax year where tax under Section 236K has already been paid.

### Using the Wizard

#### Step 1: Threshold Assessment

The Wizard starts by asking if your total property value exceeds 25M PKR. This quickly determines if the rest of the steps are necessary for you.

#### Step 2: Property Valuation

You will be asked to provide two values for each of your properties:

1. **Cost**: The original purchase price.
2. **Fair Market Value (FMV)**: The current market rate as per FBR or DC tables.

The system categorizes properties into Agriculture, Residential, Commercial, Industrial, and Open Plots to ensure correct mapping to FBR codes.

#### Step 3: Applying Exemptions

Select the exemption criteria that apply to your holdings. You will then enter the FMV of the specific properties that are exempt. The Wizard will subtract this from your total holdings to reach your **Net Taxable FMV**.

#### Step 4: Calculation & Results

The system performs the final calculation:

* **Deemed Income**: Calculated as 5% of your Net Taxable FMV.
* **Tax Payable**: Calculated as 20% of that Deemed Income (which equals 1% of the total value).

### Benefits

* **Simplified Compliance**: No need to manually calculate complex tax formulas.
* **Maximized Exemptions**: Ensures you take full advantage of legal exemptions for your primary residence and other categories.
* **Direct Integration**: Once calculated, the data is automatically synced with your main tax return, ready for filing via the IRIS Connector.

> \[!TIP] Make sure to have your property documents or latest valuation tables ready before starting the Wizard to ensure the most accurate calculation.


# Integrations

Integrations.

[IRIS Connector](/integrations/iris-connector-extension)


# IRIS Connector Extension

FBR IRIS Browser Extension

The IRIS Connector is a bridge between the TaxAible platform and the FBR IRIS portal.

### Installation

The extension is currently available for Chrome and Edge browsers. You can install it from [here](https://chromewebstore.google.com/detail/taxaible-iris-connector/oklghjcfkoapopoelpemcinakmeoffhb).

### How to Use

1. **Prepare your Data**: Finish your tax review on TaxAible and ensure all figures are reconciled.
2. **Open IRIS**: Navigate to `iris.fbr.gov.pk` and log in to your account.
3. **Launch Extension**: Click the TaxAible icon in your browser toolbar.
4. **Sync**: The extension will detect the active IRIS tab and provide a "Auto-Fill" button. Click it to auto-fill the forms.

### Security Note

The extension only interacts with the IRIS portal when you explicitly click the "Auto-Fill" button. It does not store your IRIS password.


# Support

General support information.

If you cannot find the answer in our FAQs or need personalized assistance, please contact the TaxAible team directly.<br>

You can contact us at our email: **<taxaible@gmail.com>** or the dedicated **Support Page** at our website.


# Frequently Asked Questions (FAQs)

Clear explanations of what TaxAible is.

#### Frequently Asked Questions (FAQs) about TaxAible <a href="#frequently-asked-questions-faqs-about-taxaible" id="frequently-asked-questions-faqs-about-taxaible"></a>

This FAQ addresses common questions about how TaxAible works, who it's for, and how it helps you file your FBR tax return.

#### What is TaxAible?

TaxAible is an AI-powered assistant designed to simplify the tax preparation and filing process in Pakistan. It uses advanced proprietary AI to interpret user inputs, parse documents, and automate form-filling on the FBR IRIS portal.

#### Is TaxAible affiliated with the FBR?

No. TaxAible is an independent private platform. It is designed to help taxpayers comply with FBR regulations more easily, but it is not an official government tool.

#### How accurate are the calculations?

Our engine is updated with the latest Finance Act regulations and FBR tax slabs. While our calculations are mathematically precise based on the data provided, we recommend reviewing the final summary on the "Review" page before submission.

### Security & Privacy

#### Is my data secure?

Yes. We prioritize user privacy. We use industry-standard encryption for all data transmissions. Personal financial data is processed within secure sessions, and we do not store sensitive records permanently on our servers.

#### Are my IRIS credentials safe?

If you choose to use the IRIS Connector, your credentials are encrypted locally using industry-standard cryptographic methods. They are never transmitted to our servers in plain text.

### Using the Features

#### Can I speak in Urdu to the Voice Assistant?

Yes. You can speak naturally in Urdu (e.g., "Mera salary pachaas lakh hai"). Our AI translates the intent into the context required for the tax engine to process your request.

#### What documents can I upload?

You can upload salary slips, bank statements, and tax certificates in common formats like PDF or image files. Our parsing engine will extract relevant figures like gross salary, tax withheld, and profits.

#### What is the Audit Shield Score?

It is a risk metric (0-100%) that indicates the probability of your return being selected for an FBR audit. A higher score means your return follows standard patterns and has fewer "red flags."

#### How does the Auto-Reconciler work?

It automatically calculates the difference between your declared income, expenses, and asset changes. If your wealth statement doesn't balance, it suggests adjustments to specific categories to help you achieve a zero "unreconciled amount."

### Filing with IRIS

#### How do I sync my data to the FBR?

We provide a dedicated browser extension called the **IRIS Connector**. Once your return is finalized on TaxAible, you can use the extension to automatically populate the forms on the official FBR IRIS portal.

#### What if the IRIS website changes?

We regularly update the IRIS Connector to ensure compatibility with the latest version of the FBR portal. If you encounter issues, please ensure you have the latest version of the extension installed.

#### Can I still edit my return after it is synced?

Yes. The IRIS Connector fills out the draft for you. You can still manually review and edit any field on the FBR website before clicking the final "Submit" button.


# Glossary of Terms

Definitions for core Pakistani tax concepts such as

This glossary defines key terms and acronyms used throughout the TaxAible platform and Pakistani tax documentation.

### A

* **Active Taxpayers List (ATL)**: A list maintained by the FBR of persons who have filed their tax returns for the relevant tax year. Being on the ATL (being a "Filer") entitles you to lower withholding tax rates.
* **Adjustable Tax**: Tax already paid on various transactions (e.g., telephone bills, vehicle registration, banking transactions) that can be deducted from your final tax liability.
* **Audit Shield**: A TaxAible feature that analyzes your return for "red flags" and assigns a risk score based on FBR audit patterns.

### C

* **Capital Asset**: Any property held by a taxpayer, whether or not connected with business, including immovable property, shares, and securities.
* **CNIC**: Computerized National Identity Card issued by NADRA. It serves as the primary identifier for individual taxpayers in Pakistan.

### D

* **Deemed Income**: Income that is assumed to have been earned under specific sections of the law (e.g., Section 7E), even if no actual cash was received.
* **Deductible Allowances**: Specific amounts (e.g., Zakat, charitable donations, educational expenses) that can be subtracted from total income to reach taxable income.

### F

* **FBR (Federal Board of Revenue)**: The central government agency responsible for collecting federal taxes in Pakistan.
* **Fair Market Value (FMV)**: The price that a property would fetch in the open market. For Section 7E, this is often determined by FBR or DC (District Collector) valuation tables.
* **Filer**: An informal term for a person whose name appears on the Active Taxpayers List (ATL).

### I

* **IRIS**: The official web-based portal developed by the FBR for the electronic filing of income tax returns and other statements.
* **IRIS Connector**: A TaxAible-exclusive browser extension that automates the transfer of prepared tax data from TaxAible to the FBR IRIS portal.

### N

* **NTN (National Tax Number)**: A unique number assigned by the FBR to a taxpayer. For individuals, this is usually their CNIC number.

### R

* **Reconciliation**: The process of ensuring that the increase/decrease in net wealth matches the difference between total inflows (income) and total outflows (expenses).
* **Resident**: For tax purposes, an individual who is present in Pakistan for 183 days or more in a tax year.

### S

* **Section 7E**: A law that imposes tax on "deemed income" from immovable property (plots, houses, etc.) with an aggregate value exceeding PKR 25 million.
* **Slab**: The progressive tax rates applicable to different income brackets. As your income increases, the rate of tax on the additional income also increases.

### T

* **Tax Year**: In Pakistan, the tax year runs from July 1st to June 30th of the following year (e.g., Tax Year 2024 is July 2023 to June 2024).

### V

* **Voice2Voice**: Our proprietary real-time voice interaction technology that allows users to chat with the tax assistant with ultra-low latency.

### W

* **Wealth Statement (Section 116)**: A mandatory statement filed alongside the income tax return that declares a taxpayer's assets, liabilities, and personal expenses.
* **Withholding Tax (WHT)**: Tax deducted at the source of a transaction (e.g., by an employer from salary or by a bank from profit on debt).

***

> \[NOTE] This glossary is for informational purposes. For legal definitions, please refer to the **Income Tax Ordinance, 2001**.