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TDS Calculator

Estimate tax deducted at source on salary.

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TDS estimate

Annual tax estimate₹ 71,500
Effective rate6.36%

TDS on salary is tax withheld by the employer during the year. Estimate monthly TDS from annual salary, regime choice, standard deduction, and expected tax so you can avoid surprises in payslip and Form 16.

What is this calculator?

A salary TDS calculator estimates annual tax liability and spreads it across remaining payroll months. Employers may adjust deductions after declarations, proof submission, arrears, bonus, or regime changes.

Formula

Annual estimated tax = slab tax on taxable income + cess - rebate if eligible.
Monthly TDS = annual estimated tax / payroll months, adjusted by employer for tax already deducted.

Example

Example 1: Annual salary ₹12 lakh under new regime after standard deduction may have much lower tax than an ₹18 lakh salary. The monthly TDS difference can materially change cash flow.

Another example

Example 2: If you submit old-regime proofs such as 80C, HRA, and health insurance late, employer may deduct higher TDS early and adjust later. Estimating TDS beforehand helps you plan declarations on time.

Assumptions and disclaimers

Updated context: FY 2026-27

  • •Salary TDS is estimated from provided salary and tax-regime inputs.
  • •Other income, losses, capital gains, arrears relief, and employer-specific reimbursements are not fully modeled.
  • •Employer may change monthly TDS after declarations and proof checks.
  • •Final tax should be verified while filing ITR.

In practice (India)

TDS planning is most useful before the employer declaration deadline and again near proof submission. Use the income tax calculator for final regime comparison, then use this TDS calculator to understand monthly cash-flow impact.

If you have other income such as interest, rent, capital gains, or freelance income, employer TDS may not cover full tax liability. Advance tax may be needed depending on your case.

Benefits

  • ✓Plan monthly cash flow after tax deduction.
  • ✓Check whether employer TDS looks reasonable.
  • ✓Compare regime choice before payroll deadline.
  • ✓Avoid year-end deduction shocks from missed declarations.

Related calculators and guides

Frequently Asked Questions

Can I reduce salary TDS?
You can reduce excess TDS by submitting eligible declarations and proofs to your employer on time. Do not claim deductions without supporting documents.
Why did TDS increase in one month?
Bonus, arrears, missed proof submission, regime update, or employer recalculation can increase monthly TDS.
Is TDS my final tax?
Not always. Final tax depends on all income, deductions, rebates, cess, and taxes already paid. Reconcile while filing ITR.
What if employer deducts too much TDS?
Excess TDS can generally be claimed as refund when filing ITR, subject to accurate return filing.
Does this include Form 16?
No. This is a planning estimate. Form 16 is issued by your employer after year-end and should be used for filing.

Use official tax rules and employer payroll statements for final salary TDS decisions.

How we calculate

Estimates use the formula shown above. Rules and rates are checked against official India sources where applicable (Income Tax Act, RBI/NSC circulars, GST law). Last reviewed for FY 2026-27.

  • Salary TDS is estimated from provided salary and tax-regime inputs.
  • Other income, losses, capital gains, arrears relief, and employer-specific reimbursements are not fully modeled.
  • Employer may change monthly TDS after declarations and proof checks.
  • Final tax should be verified while filing ITR.

Full methodology & sources