TDS Calculator

Calculate Tax Deducted at Source

Calculate TDS applicable on different payment types including salary, professional fees, rent, and contractor payments.

Multiple Payment Types PAN/Non-PAN Rates Threshold Limits

Without PAN Rate

20%

Sections Covered

192-194

Key Section

194J - 10%

Enter payment details

Select the payment type and enter amount to calculate applicable TDS.

Common TDS Rates

Section 192 (Salary): As per slab rates
Section 194C (Contractor): 1% Individual/HUF, 2% Others
Section 194J (Professional): 10%
Section 194I (Rent): 10% (Threshold Rs 2.4 lakh/year)
Section 194IA (Property): 1% (Threshold Rs 50 lakh)
Without PAN: 20% or higher of applicable rate

Tax Planning: Detailed Guide

This tax calculator helps you estimate your liability using the inputs you provide and current rule assumptions in this tool. Use it to build a practical tax strategy around income, deductions, capital gains, withholding, and advance payments. The output is best used as a planning estimate and should be reviewed with your actual documents, filing status, and eligible exemptions before final tax filing.

For better planning quality, test multiple scenarios across income levels, deduction usage, holding periods, and tax rates. Small changes in taxable income, exemption eligibility, or surcharge and cess exposure can materially impact final outgo. Recalculate during the year whenever salary structure changes, investment actions occur, or tax rules are updated for your filing year.

How to use tax calculators effectively

Start with accurate numbers from Form 16, AIS/TIS, broker statements, rent receipts, loan certificates, and investment records. Split your calculations by salary, business, capital gains, and other income heads so you can identify where optimization opportunities actually exist.

Common tax planning mistakes to avoid

Taxpayers often mix financial-year and assessment-year data, miss deduction limits, or assume all gains are taxed at slab rates. Another frequent mistake is waiting until the filing deadline instead of planning across the year, which reduces options for better tax efficiency.

Build a complete tax strategy

Use income tax, HRA, section-based deduction, capital gains, TDS, and refund estimators together for a complete view. This integrated approach helps you improve compliance, reduce surprises at filing time, and make better cash-flow decisions through the year.