Calculate Tax Deducted at Source (TDS) for different payment types — salary, FD interest, rent, professional fees, and contract payments as per FY 2025-26 rates.
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Choose the category that matches your payment — salary, FD interest, rent, etc.
The gross amount before TDS. The TDS rate and threshold auto-fill.
Without PAN, TDS doubles. Always provide PAN to banks, employers, and deductors.
TDS applies only if the payment exceeds the threshold for that section. For FD interest, TDS kicks in when annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
If PAN is not provided, TDS is deducted at 20% or twice the applicable rate — whichever is higher. This is why providing PAN to every deductor is important.
Tax Deducted at Source — tax collected at the point of payment by the payer (employer, bank, etc.) and deposited with the government on your behalf. It is an advance payment of your income tax liability.
TDS deducted on your income appears in Form 26AS and AIS on the income tax portal. It is automatically credited against your tax liability when you file ITR. You can claim a refund if TDS exceeds your actual tax.
Submit Form 15G (below 60 years) or Form 15H (senior citizens) to your bank if your total income is below the taxable threshold. The bank will then not deduct TDS on interest.
If excess TDS is deducted, claim the refund by filing ITR. If TDS is short-deducted, the deductee (you) are not penalised — the deductor is liable. However, your advance tax liability still applies.
TDS on salary is deducted based on your estimated annual tax liability divided by 12. Your employer deducts TDS under Section 192. Submit Form 12BB to declare deductions and reduce TDS.