How to use it
- 1.Enter the payment amount.
- 2.Select the payment type and section.
- 3.Confirm whether the recipient has provided a PAN.
- 4.Check the threshold and rate used before deducting.
Updated
TDS Calculator
The TDS calculator looks up the rate and threshold for the selected payment type, checks whether the payment exceeds the threshold, applies a higher rate if the recipient has not given a PAN and returns the estimated TDS. Change every input and see the estimate update immediately.
Adjust your assumptions
₹
₹0₹10,00,00,000
Your estimate
₹50,000
Estimated TDS
Payment amount
₹5,00,000
Applicable threshold
₹50,000
Rate used
10%
Thresholds can depend on aggregate payments during the financial year. Confirm the section and current rule before deduction.
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Results are estimates for learning and planning only. Tax rules, interest rates and scheme terms change from time to time, and your actual figures may differ. Please talk to a qualified financial advisor or chartered accountant before making any financial decision.
TDS Calculator: what it calculates.
Tax deducted at source (TDS) is income tax the payer deducts before making certain payments, such as interest, contractor fees, professional fees and rent. The rate and the threshold depend on the type of payment. This calculator estimates TDS on common non-salary payments to residents.
The TDS calculator looks up the rate and threshold for the selected payment type, checks whether the payment exceeds the threshold, applies a higher rate if the recipient has not given a PAN and returns the estimated TDS.
How the calculation works.
TDS = Payment × rate, if the payment exceeds the threshold
- Rates and thresholds used here: 194A bank interest (below 60) 10% above ₹50,000; 194C contractor (individual or HUF) 1% above ₹30,000; 194J professional fee 10% above ₹50,000; 194I rent 10% above ₹50,000 a month.
- Without a PAN, a rate of at least 20% is used.
- From 1 April 2026 the Income-tax Act, 2025 renumbers these sections; the familiar section names are used here for clarity.
- Rates and thresholds are revised in Budgets and change.
Worked example. A ₹5 lakh professional fee under 194J is above the ₹50,000 threshold, so TDS at 10% is ₹50,000. If the professional has not provided a PAN, the 20% rate applies and TDS is ₹1 lakh.
What it helps with
- Shows the rate and threshold behind each estimate.
- Shows the effect of a missing PAN.
- Covers the most common non-salary payments.
What it does not include
- Thresholds are checked against the single payment entered, but some apply to the total paid in a financial year.
- Technical fees taxed at 2%, salary TDS, lower-deduction certificates and non-resident payments are not covered.
- Rates and thresholds change; confirm the current rule.
- The result is an estimate; confirm with a Chartered Accountant.
Rule basis: TDS rules reviewed 2026-27
Effective 2026-04-01. Reviewed 2026-08-10.
Review again after 2027-03-31.
Policy-linked estimates can become stale. Confirm current eligibility, rates, limits and filing treatment before acting.
Common questions.
Why does the TDS threshold change?
TDS rates and thresholds depend on the payment type and section. The calculator derives both from the selected common section.
What is a TDS Calculator?
It is an educational tool that applies the disclosed TDS estimate method to the assumptions you enter.
Are the results guaranteed?
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Why should I change the assumptions?
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Does it include tax and fees?
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
How accurate is the calculator?
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
Can I use this result as financial advice?
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Why is inflation shown?
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
How often should I recalculate?
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Can the result differ from a bank or platform?
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
Is my data uploaded?
No. Calculations run locally in your browser and the input values are not sent to a calculation server.