TDS Calculator India — Tax Deducted at Source

Last updated: Jul 22, 2026 | Reviewed by Calkulator Team | 2 min read

Tax

Check TDS rate and threshold for any payment type

TDS applies to FD interest above ₹40,000, rent above ₹2.4 lakh, professional fees above ₹30,000, and more. If the payee has no PAN, TDS jumps to 20%. This calculator shows the exact TDS for 8 common payment types.

Submit Form 15G/15H to your bank if your total income is below taxable limit — avoid TDS on FD interest.

TDS Details

Payment Type

Payment Amount (₹)

₹

Annual amount for threshold check

PAN Status

TDS Quick Reference

194A FD: 10% | Threshold ₹40,000/yr

194I Rent: 10% | Threshold ₹2,40,000/yr

194C Contractor: 1% / 2% | Threshold ₹30,000

194J Professional: 10% | Threshold ₹30,000

194H Commission: 5% | Threshold ₹15,000

No PAN: Flat 20% rate applies on all above

TDS Amount

₹—

Enter payment amount

Net Amount Receivable

₹—

After TDS deduction

Select payment type and enter amount

TDS applicability will appear here

Gross Amount

₹—

Before TDS

TDS Rate

—

Applicable rate

Section

—

Applicable section

Threshold Limit

₹—

Below = no TDS

TDS %

—%

Net Receivable ₹—

TDS Deducted ₹—

Live Result Illustration

Visual summary — updates instantly as you enter values above

LIVE

Real-Life Guide to Using the TDS Calculator

TDS deducted on salary and income. Use the examples and checks below to turn the number into a practical decision.

When this calculator is useful

Salaried employees check this when they want to verify the TDS shown on their monthly payslip against what they expect, and freelancers or contractors use it before invoicing a client to know how much will be withheld under sections like 194J or 194C.

For most people, the best way to use the TDS Calculator is to try the real case first, then change one input at a time. That makes the trade-off visible. For example, with a loan calculator you can change tenure while keeping the same rate; with an investment calculator you can change return assumption while keeping the same monthly contribution; with a health, education or measurement calculator you can check how much one input changes the final category.

The result should answer a practical question: Can I afford this? How much should I save? Is this score enough? Is this measurement within range? What is the safer or cheaper option? If the output does not answer the decision clearly, adjust the inputs until the scenario matches your real situation.

Real-Life Example

Freelance consultant invoicing a client: A freelance designer raises an invoice of ₹80,000 for professional services to a company that is required to deduct TDS under Section 194J.

1At the applicable rate for professional fees under 194J (illustratively around 10%), the client withholds roughly ₹8,000 and pays the designer ₹72,000, depositing the ₹8,000 with the government against the designer's PAN.

2Now change one input, such as rate, time, quantity, unit or score, and compare the new result with the first one.

The amount you receive as a freelancer is always net of TDS, and the withheld amount shows up as credit in your Form 26AS to be adjusted against your final tax bill at filing time.

Practical Advice

Use the TDS Calculator as a planning tool, not just a number generator. Write down the inputs you used, because the final answer is meaningful only when you remember the assumptions behind it.

If the decision affects money, health, tax, safety, academics or legal compliance, keep a second check ready. That second check may be a bank quote, payslip, official rule, prescription, site measurement, mark sheet or invoice.

Common Mistakes

Assuming TDS deducted equals your final tax liability — TDS is only a prepayment adjusted against your total tax computed at year-end, not the final number
Not accounting for the different threshold and rate under Section 194J (professional fees) versus 194C (contract payments) versus 192 (salary), and applying the wrong section's rate
Forgetting that TDS on salary under Section 192 is computed on estimated annual income and deducted progressively, so a mid-year bonus can spike one month's deduction sharply
Not submitting Form 15G/15H where eligible to avoid unnecessary TDS on interest income, then wondering why the bank deducted tax despite low overall income
Overlooking that non-PAN or invalid-PAN deductees face TDS at a flat higher rate (typically 20%) rather than the normal prescribed rate

How to Interpret Results

The output shows the TDS amount for the specific payment type and section you selected — compare it against your Form 26AS or AIS periodically to confirm the deductor has actually deposited what was withheld from you.

A good interpretation looks at both the main result and the supporting values. If a page shows totals, ratios, categories, schedules or warnings, read those together instead of focusing only on the biggest number.

TDS Calculator FAQs

Useful answers for interpreting the output, avoiding mistakes and using the result responsibly.

What does this TDS calculator actually estimate?

It estimates the tax amount a payer is required to withhold before making a payment to you, based on the payment type (salary, professional fees, contract payment, rent, interest, etc.) and the section-specific rate and threshold applicable to that category.

Why is the TDS on my payslip different from what this calculator shows?

Salary TDS under Section 192 is based on your projected annual income, declared deductions, and regime choice, recalculated periodically through the year by your employer's payroll system — it is not a flat percentage like TDS on a one-time contract payment, so a simple per-payment calculator will not match it exactly.

Is TDS the same as my final income tax?

No. TDS is tax deducted in advance by whoever pays you, and it gets adjusted against your actual total tax liability computed when you file your ITR. If more was deducted than you owe, you get a refund; if less, you pay the balance as self-assessment tax.

What happens if a client or company doesn't deduct TDS correctly?

If TDS is under-deducted, the payer can face interest and penalty from the tax department, but you as the recipient are still liable to pay your correct total tax when filing, since your liability is based on your actual income, not what was or wasn't withheld.

How do I check whether TDS deducted from my income was actually deposited?

Log in to the income tax e-filing portal and check Form 26AS or the Annual Information Statement (AIS), which shows every TDS entry reported against your PAN by deductors. If an entry is missing weeks after payment, follow up with the deductor for correction before filing.

Can I avoid TDS on bank interest if my total income is below the taxable limit?

Yes, if your total income is below the basic exemption and you expect no tax liability, you can submit Form 15G (or Form 15H if you are a senior citizen) to the bank to prevent TDS deduction on interest income; without it, banks deduct TDS once interest crosses the threshold regardless of your actual tax position.

Does this calculator apply to TDS on property purchase?

TDS on purchase of immovable property above a specified value threshold is deducted by the buyer under Section 194-IA at a flat rate on the sale consideration, which is a distinct category from salary or professional fee TDS — make sure you select the correct section if your calculator offers property as an option, since the rate and mechanics differ.

What should I do if excess TDS was deducted from my income during the year?

File your ITR reporting your actual total income and claim credit for the full TDS amount reflected in your Form 26AS/AIS; any excess over your computed tax liability is refunded by the department, typically credited to your registered bank account after processing.

What is TDS (Tax Deducted at Source)?

TDS is a mechanism under the Income Tax Act where the payer deducts tax at the source of payment and remits it to the government on behalf of the payee. It applies to salaries, FD interest, rent, professional fees, contractor payments, and commission — each with specific thresholds and rates.

If TDS is deducted in excess of your actual tax liability, you can claim a refund when filing your ITR. Always check Form 26AS or AIS on the Income Tax portal to verify TDS credits against your PAN.

Example Calculation

Scenario: FD interest ₹80,000/year, PAN available

1Section 194A applies | Threshold ₹40,000/yr

2Amount (₹80,000) exceeds threshold → TDS applicable

3TDS = ₹80,000 × 10% = ₹8,000 | Net = ₹72,000

✓ Bank credits ₹72,000 and deposits ₹8,000 TDS with govt.

Frequently Asked Questions

TDS rates, sections, and thresholds explained

What happens if TDS is deducted without PAN?

If the payee does not furnish PAN, TDS is deducted at 20% or the rate specified in the relevant section, whichever is higher. The higher rate is to encourage PAN registration. Submit PAN to the payer to get the lower applicable rate. TDS without PAN also restricts the payee from getting credit in Form 26AS.

How do I avoid TDS on FD interest?

Submit Form 15G (for non-senior citizens) or Form 15H (for senior citizens aged 60+) to your bank at the start of each financial year. This is a self-declaration that your total income is below the taxable limit. If your FD interest exceeds ₹40,000/year (₹50,000 for senior citizens), TDS will be deducted unless you submit these forms.

Can I claim a TDS refund?

Yes. If TDS deducted exceeds your actual tax liability (e.g., you're in a lower tax bracket or have no tax liability), you can claim a refund while filing your ITR. The refund is processed by the Income Tax Department within a few months of ITR verification. Always file ITR even if TDS is your only tax — to claim the refund.

TDS Calculator