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Free TDS calculator for India. Calculate salary TDS, professional fees, rent, interest income with Form 16 generator and quarterly returns
PPF, ELSS, Life Insurance, etc.
Max $25K ($50K for senior citizens)
Interest on education loan
Charitable donations
Max $2L for self-occupied property
$50,000 for salaried individuals
State-specific professional tax
Additional $50K for NPS
Max $10K on savings interest
A TDS (Tax Deducted at Source) calculator is a comprehensive online tool designed to help Indian taxpayers, employers, and businesses calculate tax deductions at source accurately. Our advanced TDS calculator supports all major TDS categories including salary TDS with Form 16 generation, professional fees under Section 194J, rent payments under Section 194-IB, interest income under Section 194A, and quarterly TDS calculations. The calculator handles both old and new tax regimes, all deduction sections (80C, 80D, 24, etc.), and provides detailed monthly and quarterly breakdowns for complete tax planning.
TDS (Tax Deducted at Source) is a mechanism where tax is collected at the source of income generation. Introduced to ensure regular tax collection and reduce tax evasion, TDS is deducted by the payer before making payment to the payee. The deducted amount is deposited with the government and credited to the payee's account. TDS applies to various income sources: salary, professional fees, rent, interest, commission, contract payments, and more. Each category has specific sections (194A, 194J, 194-IB, etc.) with different rates and threshold limits as per Income Tax Act.
Choose the appropriate TDS category based on your requirement. Select "Salary" for employment income TDS calculation with Form 16 details. Choose "Professional" for freelance, consultancy, or technical services under Section 194J. Select "Rent" if you're paying rent exceeding ₹50,000 per month. Choose "Interest" for TDS on bank deposits and interest income. Select "Quarterly" for business TDS payment planning and return filing. Each category has specific inputs and calculation methods as per Income Tax rules.
For salary TDS, enter your annual gross salary components: basic salary, HRA, special allowance, bonus, and other allowances. Select your age category (below 60, 60-80, above 80) as it affects basic exemption limits. Choose between New Tax Regime (lower rates, fewer deductions) or Old Tax Regime (higher rates, more deductions). For professional fees, enter gross income and expenses. For rent, input monthly rent amount and number of months. For interest, specify interest income and type (FD, savings, RD, etc.).
Enter all eligible deductions to reduce your taxable income and TDS liability. Section 80C: Up to ₹1.5 lakh for PPF, ELSS, life insurance, home loan principal. Section 80D: ₹25,000-₹50,000 for health insurance premiums. Section 24: Up to ₹2 lakh for home loan interest. Standard Deduction: ₹50,000 for salaried individuals. Section 80E: Education loan interest (no limit). Section 80G: Donations to eligible institutions. Section 80CCD(1B): Additional ₹50,000 for NPS. Section 80TTA: ₹10,000 on savings account interest. The calculator validates maximum limits automatically.
The calculator instantly displays comprehensive results: gross income, total deductions, taxable income, income tax calculation, surcharge (if applicable), health & education cess (4%), total annual TDS, and monthly TDS deduction. For salary TDS, view month-wise breakdown showing TDS deducted each month and cumulative TDS. For quarterly TDS, see all four quarters with due dates. The results help you plan investments, verify Form 16 accuracy, estimate tax refunds, and ensure compliance with TDS regulations.
TDS on interest from bank deposits, FD, RD. Threshold: ₹40,000 (₹50,000 for senior citizens). Rate: 10% with PAN, 20% without PAN.
TDS on professional, technical, consultancy services. Threshold: ₹30,000. Rate: 10% for professional services, 2% for technical services (call center).
TDS on rent payments by individuals/HUF. Threshold: ₹50,000 per month. Rate: 10% with PAN, 20% without PAN. Applicable for residential and commercial rent.
TDS on payments to contractors. Threshold: ₹30,000 (single), ₹1,00,000 (aggregate). Rate: 1% for individuals/HUF, 2% for others.
TDS on commission and brokerage. Threshold: ₹15,000. Rate: 5%. Applies to insurance agents, brokers, and commission-based payments.
TDS on lottery, crossword puzzles, card games, gambling winnings. Threshold: ₹10,000. Rate: 30% (highest TDS rate).
Tax Slabs:
• Up to ₹2.5L: 0%
• ₹2.5L - ₹5L: 5%
• ₹5L - ₹10L: 20%
• Above ₹10L: 30%
✓ Advantages:
All deductions allowed (80C, 80D, HRA, etc.). Better for high deduction claims.
Tax Slabs:
• Up to ₹3L: 0%
• ₹3L - ₹7L: 5%
• ₹7L - ₹10L: 10%
• ₹10L - ₹12L: 15%
• ₹12L - ₹15L: 20%
• Above ₹15L: 30%
✓ Advantages:
Lower tax rates. Better for those with minimal deductions. Standard deduction (₹50K) allowed.
To calculate TDS on salary, first determine your gross annual salary including all allowances (basic, HRA, special allowance, bonus). Then subtract eligible deductions under sections 80C (₹1.5L), 80D (health insurance), standard deduction (₹50,000), and others. Apply income tax rates based on your chosen tax regime (new or old). The resulting tax divided by 12 gives monthly TDS. Our TDS calculator automates this entire process with support for all deductions and both tax regimes.
TDS rate for professional and technical services under Section 194J is 10% if the recipient has a valid PAN, and 20% if PAN is not available. This applies to payments exceeding ₹30,000 in a financial year. Professional services include legal, medical, engineering, architectural, technical consultancy, and freelance services. Our calculator automatically applies the correct rate based on your inputs and calculates net receivable amount after TDS deduction.
TDS on rent under Section 194-IB is applicable when monthly rent exceeds ₹50,000. The TDS rate is 10% if the landlord has provided PAN, and 20% without PAN. This applies to individuals and HUFs (not requiring tax audit) paying rent for residential or commercial property. TDS must be deducted at the time of payment or credit, whichever is earlier. Use our Rent TDS Calculator to determine your TDS liability and net rent payable.
TDS on interest income under Section 194A applies when interest from bank deposits (FD, RD) exceeds ₹40,000 per financial year (₹50,000 for senior citizens). The TDS rate is 10% with PAN and 20% without PAN. This includes interest from fixed deposits, recurring deposits, and company deposits. Savings account interest up to ₹10,000 is exempt under Section 80TTA. Our Interest TDS Calculator helps you calculate TDS on various types of interest income with automatic exemption limit application.
Quarterly TDS is calculated by dividing annual TDS liability by 4. The financial year is divided into four quarters: Q1 (Apr-Jun), Q2 (Jul-Sep), Q3 (Oct-Dec), and Q4 (Jan-Mar). Due dates are 15th of the month following each quarter (July, October, January) and May 15th for Q4. Businesses must deposit TDS quarterly and file returns using Form 26Q (for non-salary) or Form 24Q (for salary). Our Quarterly TDS Calculator provides complete breakdown with due dates for all four quarters.
Major deductions to reduce salary TDS include: Section 80C (₹1.5L for PPF, ELSS, life insurance, home loan principal), Section 80D (₹25K-₹50K for health insurance), Section 24 (₹2L for home loan interest), Standard Deduction (₹50K for salaried), Section 80E (education loan interest), Section 80G (donations), Section 80CCD(1B) (₹50K additional for NPS), and Section 80TTA (₹10K on savings interest). Our calculator includes all these deductions with automatic limit validation.
Old Tax Regime: Allows all deductions (80C, 80D, HRA, etc.) with tax slabs starting from ₹2.5L. New Tax Regime (default from FY 2023-24): Lower tax rates but no deductions except standard deduction (₹50K). New regime slabs: 0% up to ₹3L, 5% (₹3-7L), 10% (₹7-10L), 15% (₹10-12L), 20% (₹12-15L), 30% above ₹15L. Choose old regime if your deductions exceed ₹2.5L, otherwise new regime is beneficial. Our calculator supports both regimes with instant comparison.
Form 16 is a TDS certificate issued by employers showing salary paid and TDS deducted. While our calculator doesn't generate official Form 16 (which requires employer's digital signature), it provides all necessary calculations: gross salary, deductions, taxable income, tax liability, and monthly TDS breakdown. This helps you verify your Form 16 accuracy, plan investments, and estimate tax liability. For official Form 16, employers must use TRACES portal with valid TAN and digital signature.
Major TDS sections: 194A (Interest - 10%), 194B (Lottery - 30%), 194C (Contractors - 1-2%), 194D (Insurance commission - 5%), 194H (Commission - 5%), 194I (Rent - 10%), 194J (Professional fees - 10%), 194K (Income from units - 10%), 194M (Contractors/professionals - 5%), 194N (Cash withdrawal - 2%), 194O (E-commerce - 1%), 194Q (Purchase of goods - 0.1%). Each section has specific threshold limits. Our Sections tab provides complete details of all TDS sections with rates and thresholds.
Yes, if TDS deducted exceeds your actual tax liability, you can claim refund while filing Income Tax Return (ITR). The refund amount equals TDS deducted minus actual tax payable. To claim: File ITR before deadline, ensure Form 26AS/AIS shows all TDS credits, verify TDS details match with Form 16/16A, and provide bank account for refund credit. Refunds are usually processed within 20-45 days of ITR verification. Our calculator helps you determine if you're eligible for refund by comparing TDS with actual tax liability.
Non-deduction or non-deposit of TDS attracts serious consequences: Interest at 1% per month (Section 201(1A)) from due date till payment, penalty up to TDS amount (Section 271C), disallowance of expense (Section 40(a)(ia)) if TDS not deposited before filing return, and prosecution for willful non-payment. The deductor is liable to pay TDS from own pocket if not deducted from payee. Always ensure timely TDS deduction and deposit to avoid penalties. Use our calculator to determine correct TDS amounts and maintain compliance.
This TDS calculator uses official Income Tax Department formulas and rates as per Finance Act 2024-25. It supports all TDS sections, both tax regimes, all deductions, and generates detailed breakdowns for planning purposes. The calculator is regularly updated to reflect current tax laws. However, for official TDS filing, Form 16 generation, and legal compliance, please consult a qualified Chartered Accountant or tax professional. Tax laws are subject to change by the Government of India through amendments and notifications.
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Salary TDS, Professional Fees, Rent, Interest, Quarterly TDS, and All Sections - comprehensive coverage that competitors don't offer in one place.
Calculate TDS under both Old and New Tax Regime with instant comparison. Most calculators support only one regime.
Detailed salary breakdown matching Form 16 format with monthly TDS schedule. Verify your Form 16 accuracy instantly.
Supports 80C, 80D, 80E, 80G, 24, 80CCD, 80TTA, and more with automatic limit validation. Competitors miss many deductions.
Complete quarterly breakdown with payment due dates for all four quarters. Essential for business compliance.
No registration, no ads, no hidden charges. Unlimited calculations with all features free. No premium plans or paywalls.
Verified & Updated Information
This TDS calculator is based on official Income Tax Department guidelines and Finance Act 2024-25. All rates, sections, and calculations are regularly reviewed and updated to ensure accuracy. Last updated: December 21, 2024. Sources: Income Tax Department, TDS CPC, and Finance Act 2024-25.
Important Disclaimer: This TDS calculator is provided for informational and educational purposes only. While we strive for accuracy using official Income Tax Department formulas, this tool should not be considered as professional tax advice or a substitute for consultation with qualified tax professionals.
Professional Consultation Required: For official TDS filing, Form 16 generation, TAN registration, legal compliance, tax planning strategies, and specific tax situations, please consult with a qualified Chartered Accountant (CA), tax advisor, or legal professional. TDS rates, sections, thresholds, and tax laws are subject to amendments by the Government of India through Finance Acts, notifications, and circulars. Users are responsible for verifying current tax laws before making financial decisions.