ClearTax is India's most popular tax-filing platform — ITR e-filing, GST returns, TDS compliance, and CA-assisted services. Here's how Richify's AI-financial-planning approach compares.
| Feature | Richify | ClearTax |
|---|---|---|
| AI Financial Coach | Felix (AI CFO) + 4 specialist agents | ✗ |
| ITR e-filing | ✗ | Full ITR-1/2/3/4 filing |
| FY 26-27 Tax Calculator | Old vs new regime + 87A rebate | Detailed tax computation |
| Capital Gains (LTCG/STCG) | Property + equity calculators | Capital gains import + filing |
| Crypto / VDA Tax | Section 115BBH calculator + reckoner | Crypto schedule support |
| GST + TDS Compliance | ✗ | Full GST + TDS suite for businesses |
| Net Worth Tracking | Full — all asset types | ✗ |
| Portfolio Tracking | Stocks + MF + EPF/PPF/NPS + real estate | MF + stocks (Black by ClearTax) |
| Multi-asset Planning | Felix reasons across all assets | Tax-only focus |
| Retirement Planning | Felix + retirement specialist agent | ✗ |
| Bilingual Support (Hindi) | F&O FAQs in Hinglish | Limited Hindi UI |
| Free Tier | Yes — all core features free | Free for basic ITR; ₹399-2,499 for complex |
| Business / Self-Employed Tax | F&O + crypto tax tools | ITR-3, audit support, GST |
| CA-Assisted Filing | ✗ | CA-assisted plans available |
The Verdict
ClearTax excels at the tax FILING moment — once a year, accurately computing and submitting your ITR with GST/TDS extensions for businesses. Richify excels at year-round PLANNING — Felix and specialist agents helping you optimise tax regime choice, maximise 80C, harvest LTCG, and track your full multi-asset portfolio. The ideal setup: use Richify for year-round AI-powered planning + portfolio tracking, then use ClearTax (or equivalent) for the actual filing in July.
Last reviewed: · Reviewed by the Richify team
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Try Richify — Free TrialPartially. Richify and ClearTax serve different primary needs. ClearTax is a tax-filing-first platform — its strength is ITR e-filing, GST returns, TDS compliance, and CA-assisted services. Richify is an AI-powered financial planning platform — its strength is continuous financial planning with Felix and specialist agents, portfolio tracking across multiple asset types, and pre-tax planning tools (income tax calculator, advance tax, capital gains, etc.). If your only need is to file ITR once a year, ClearTax is purpose-built for that. If you want ongoing financial guidance, planning, and net-worth tracking — Richify is built for that. Many users use BOTH: Richify for year-round planning, ClearTax for the actual filing.
Not directly — Richify does NOT file your ITR on your behalf as of June 2026. Richify provides FY 26-27 calculators (income tax, advance tax, gratuity, LTCG, F&O, crypto VDA) that produce ITR-ready numbers. To actually file, use ClearTax, Cleartax-equivalent platforms (Quicko, TaxBuddy, MyITReturn), or file directly on the Income Tax e-filing portal (incometax.gov.in). Richify's role is the planning and calculation layer that feeds into filing — distinct from the filing itself.
Different focuses. ClearTax is excellent at the FILING moment — once a year, accurately computing your liability and submitting ITR. Richify is built for the YEAR-ROUND planning — should you switch tax regimes, should you maximise 80C, should you harvest LTCG before March 31, are you on track with advance tax instalments. ClearTax has tax calculators too, but they're aimed at filing-time accuracy, not ongoing optimisation. For year-round tax planning + multi-asset portfolio tracking, Richify is purpose-built. For tax filing execution, ClearTax dominates.
Richify is currently free for all core features (premium tier in roadmap, not live as of June 2026). ClearTax's pricing tiers (as of 2026): Basic ITR-1 e-filing is free. Complex returns (ITR-2 with capital gains, ITR-3 with business income, ITR-4 with F&O) range from ₹399 to ₹2,499. GST filing is separate (₹999-9,999/year). CA-assisted filing starts at ₹2,499 and goes up based on complexity. For salaried individuals with no investments, ClearTax's free tier works. For complex returns, expect ₹500-2,500. Richify is free for the planning and calculator layer — you don't pay for tax computations.
Both handle crypto and F&O — with different strengths. Richify offers live calculators (/in/tools/crypto-tax-calculator for Section 115BBH 30% + 1% TDS, /in/tools/fo-trading-tax-calculator for F&O business income) with worked-example reckoners and educational depth. ClearTax handles the actual SCHEDULE VDA (crypto) and SCHEDULE BP (F&O) filing in ITR-2/ITR-3 — the execution moment. For learning the rules and modelling scenarios: Richify. For filing the return: ClearTax (or its CA-assisted plan, which is worth it for active F&O traders with audit applicability above ₹10 cr turnover).
Yes — Richify is multi-asset by default (stocks, MFs, EPF/PPF/NPS, gold, real estate, crypto via manual entry). ClearTax Black is ClearTax's portfolio tracking layer focused on mutual funds and stocks, with auto-import via CAS (Consolidated Account Statement). Richify is currently manual-entry only (Plaid + India's Account Aggregator framework on roadmap). Richify's strength is the AI reasoning layer on top of the portfolio (Felix flags rebalancing opportunities, tax harvesting windows, allocation drift). ClearTax Black focuses on execution + reporting.
Comparison is educational only. Features and pricing may change. We strive for accuracy but recommend verifying directly with each service.