AI vs. Tax Advisor: Who wins when it comes to the Treasury?

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More and more people rely on artificial intelligence (AI) tools like ChatGPT, DeepSeek, or Gemini to solve their tax questions. It’s understandable, they’re fast, free, and available 24/7. But can AI really replace a professional tax advisor when it comes to dealing with the Treasury?

At InnoTaxes, we’ve seen time and again that AI can help you understand general terms, but it doesn’t replace the human analysis needed for proper tax planning.

What are the differences between AI and a tax advisor?

Tools like ChatGPT or DeepSeek are designed to provide quick and general answers. But in taxation, the details matter. And making mistakes, even unknowingly, can be costly.

Aspect	AI (ChatGPT, DeepSeek, Gemini…)	Proffesional Tax Advisor
Quick answer	✔️ Sí	✔️ Yes, with prior analysis
Personalización	❌ Generic	✔️ Fully tailored to your case
Conocimiento normativo actualizado	❌ Not always up to date	✔️ Based on BOE (Official State Gazette), the Spanish Tax Agency (AEAT) and current regulations
Aplicación del convenio de doble imposición	❌ Confusing or incomplete	✔️ Legal and practical interpretation
Detección de errores pasados	❌ Does not identify them	✔️ Detailed review of your tax returns
Presentación de modelos fiscales	❌ Cannot do it	✔️ Submission and signature before the Tax Office
Respuesta ante requerimientos de la AEAT	❌ Does not know how to proceed	✔️ Drafting of legal documents and tax payer representation
Planificación fiscal estratégica	❌ Does not assess scenarios	✔️ Design of optimal strategies
Responsabilidad profesional	❌ Does not take responsibility for consequences	✔️ Yes, with legal backing and professional liability coverage

The responsibility is always yours

An AI can give you answers... but it won’t be there for you if the Treasury detects a mistake.

Even if you act in good faith, if you file an incorrect tax return, the responsibility falls entirely on you as the taxpayer. The Treasury does not accept following AI advice or using automated tools as a valid excuse.

Real cases we've seen:

• One client used AI to prepare their tax return and failed to report income from renting out a room.
  Result: a fine for undeclared income and late payment penalties.

• Another user asked whether they needed to register as self-employed because they were only issuing a few invoices. The AI said it wasn’t necessary.
  But since it was an ongoing economic activity, it actually was. They ended up paying retroactive registration fees and Social Security penalties.

 

What a tax advisor provides (and AI Does Not)

1. Real and legal context: It’s not just about what the law says, but how it applies to your specific situation.

2. Comprehensive view: An advisor analyzes your income, expenses, business activity, family, assets, and international operations…

3. Real support: You’re not alone facing the Tax Agency. You have professional representation.

4. Error prevention: They anticipate risky situations before penalties arise.

5. Direct access to the Spanish Tax Agency (AEAT): We are authorized social collaborators, which allows us to act directly within Hacienda’s systems. AI can’t and won’t do this.

Can AI help you? Yes, but with limits

It’s useful for:

• Understanding tax terms

• General questions about forms

• Quick vocabulary doubts

But it doesn’t replace expert analysis, can’t advise responsibly, and doesn’t have legal access to your procedures.

Conclusion

Artificial intelligence is a useful tool… but it’s not your tax advisor. And when it comes to Hacienda, errors, declarations, or audits, there is no substitute for human, professional, and up-to-date knowledge.

If you decide to do it on your own, do so fully aware that you will bear the consequences if something goes wrong.

 

Will you get advice from AI or from experts?

At InnoTaxes, we help self-employed workers, companies, and individuals manage their taxes every day with security, efficiency, and professional judgment.

We review your forms, optimize your tax burden, and represent you directly before the Treasury (Hacienda).

👉 Request your personalized consultation here and protect your peace of mind with real experts, not automated answers.