Find out exactly how much TDS will be cut from your salary, interest, rent or fees
Enter a few numbers above and this TDS calculator instantly tells you the amount that will be deducted at source and what actually lands in your account. No guessing, no manual look-ups — just a clear answer in seconds.
TDS (Tax Deducted at Source) is the portion of your income that your payer — an employer, bank, or tenant — holds back and deposits directly with the government on your behalf. It counts as advance tax and is adjusted when you file your ITR (Income Tax Return).
How to use this TDS calculator
- Choose the payment type — salary, bank interest, rent, professional fees, or another section.
- Enter the amount — monthly salary, annual interest earned, monthly rent received, or gross fees.
- Select your tax regime — old or new (relevant mainly for Section 192 / salary).
- Add any deductions if prompted (for salary: HRA, 80C investments, standard deduction, etc.).
- Hit Calculate — you will see the TDS rate, TDS amount, and the net amount you actually receive.
Worked example — salary TDS under Section 192
Suppose you earn a gross salary of ₹12 lakh per year and you are under the new tax regime for FY 2025-26.
- Standard deduction (new regime): ₹75,000
- Taxable income: ₹12,00,000 − ₹75,000 = ₹11,25,000
- Tax on ₹11,25,000 under new regime slabs:
— Up to ₹3 lakh: Nil
— ₹3 L – ₹7 L: 5% = ₹20,000
— ₹7 L – ₹10 L: 10% = ₹30,000
— ₹10 L – ₹11.25 L: 15% = ₹18,750
Total tax = ₹68,750 - Add 4% Health & Education Cess: ₹68,750 × 4% = ₹2,750
- Annual TDS = ₹71,500 → Monthly TDS ≈ ₹5,958
- Monthly in-hand (before PF/other deductions): ₹1,00,000 − ₹5,958 = ₹94,042
Your employer deducts ₹5,958 every month and deposits it with the government under your PAN. At filing time, this amount is credited against your final tax liability.
Worked example — interest TDS under Section 194A
You have a fixed deposit (FD) earning ₹64,000 in interest in FY 2025-26. You are below 60 years of age.
- Threshold for TDS: ₹50,000 (for non-senior citizens, FY 2025-26)
- Since ₹64,000 > ₹50,000, TDS applies on the entire amount
- TDS rate: 10% (assuming PAN is furnished)
- TDS deducted = ₹6,400
- Interest credited to you = ₹64,000 − ₹6,400 = ₹57,600
If your total income is below the taxable limit, you can submit Form 15G to your bank and they will stop deducting TDS altogether.
How TDS is calculated — the formula
The core idea is straightforward:
TDS Amount = Taxable Payment × Applicable TDS Rate
Net Amount Received = Gross Payment − TDS AmountFor salary (Section 192), the rate is not a flat percentage — it follows your income-tax slab. The employer estimates your full-year income, works out the annual tax, then divides by 12 to deduct each month.
Common TDS sections and rates — FY 2025-26 quick reference
| Section | Payment type | TDS threshold | TDS rate (PAN furnished) |
|---|---|---|---|
| 192 | Salary | Above basic exemption limit | As per income-tax slab + 4% cess |
| 194A | Interest (FD, savings, etc.) | ₹50,000 (non-senior) / ₹1,00,000 (senior citizens) | 10% |
| 194C | Contractor / sub-contractor | ₹30,000 per payment / ₹1,00,000 aggregate per year | 1% (individual/HUF) / 2% (others) |
| 194H | Commission / brokerage | ₹20,000 per year | 2% |
| 194-I | Rent (plant, machinery, land/building) | ₹2,40,000 per year | 2% (plant/machinery) / 10% (land/building) |
| 194-IB | Rent paid by individual/HUF (not under audit) | ₹50,000 per month | 2% |
| 194J | Professional / technical fees | ₹30,000 per year | 10% (professional) / 2% (technical) |
Rates above apply when PAN is furnished. Without PAN, TDS is deducted at 20% or the applicable rate, whichever is higher (Section 206AA). Current for FY 2025-26 / AY 2026-27.
Source: Income Tax Department — incometax.gov.in
New tax regime slabs — FY 2025-26
| Income slab | Tax rate |
|---|---|
| Up to ₹3,00,000 | Nil |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
A ₹75,000 standard deduction applies under the new regime from FY 2024-25 onwards. Incomes up to ₹12 lakh effectively pay zero tax under the new regime thanks to the Section 87A rebate (₹60,000 rebate).
Practical tips — avoid surprises at ITR filing time
- Furnish your PAN everywhere. Missing PAN triggers a 20% deduction — far higher than the standard rate.
- Declare all income to your employer. If you have FD interest or freelance income on the side, tell HR so they factor it into your salary TDS. Otherwise you will have a tax shortfall at the end of the year.
- Use Form 15G / 15H to stop FD TDS if your total income is below the taxable limit. Submit it at the start of the financial year, not after the deduction happens.
- Check Form 26AS and AIS on the Income Tax portal every quarter. These show all TDS deducted under your PAN — it is your responsibility to verify the numbers match before filing.
- TDS is not your final tax. It is an advance. If TDS was higher than your actual liability, you get a refund. If lower, you must pay the difference (advance tax or self-assessment tax).
- Surcharge and cess are not included in the flat section rates above (except Section 192). For very high incomes, a surcharge applies — check your exact liability with a chartered accountant.
When to use this calculator (and when not to)
This tool is perfect for employees wanting to estimate monthly in-hand salary, landlords checking whether their tenant should deduct TDS on rent, freelancers seeing how much will be cut from professional fees, and FD holders comparing net interest after TDS.
It gives you a reliable estimate for standard cases. For incomes with surcharge (above ₹50 lakh), multiple income sources, foreign income, or complex deductions, treat the result as a starting point and verify with a tax professional or the official Income Tax portal.
Your data never leaves your device. Every calculation runs entirely in your browser — nothing is sent to any server.
Knowing your TDS upfront means no shock deductions, no last-minute advance-tax panic, and a cleaner ITR filing. Use the calculator above to check your numbers right now.