TDS Calculator
The TDS Calculator helps you calculate the Tax Deducted at Source on various payments. TDS rates vary by section — 10% for interest, 1-2% for contractor, 5% for commission, etc.
Calculation Formula
- Payment Amount = Total amount being paid
- TDS Rate = Rate per section (1% to 30%)
- No PAN = 20% (or higher rate applicable)
How to Use This Calculator
Enter the payment amount, select the payment type (TDS section), and indicate if PAN is available. The calculator shows the TDS amount and net payment.
This calculator is for informational and educational purposes only. Tax calculations are based on the Income Tax Act, 2025 (effective April 1, 2026) and may not reflect all individual circumstances. Tax slabs, rebate thresholds, and deduction limits are subject to change through government notifications. Always verify at incometax.gov.in and consult a qualified Chartered Accountant for personalized guidance.
Frequently Asked Questions
Find answers to common questions about tds calculator. Click on any question to expand the answer.
Download Form 26AS from the Income Tax e-filing portal to see all TDS deducted against your PAN. You can also check your AIS (Annual Information Statement) for detailed TDS information. Both are available free of cost on incometax.gov.in.
Yes, apply for a Lower/Nil TDS certificate under Section 397 of the Income Tax Act, 2025 through the Income Tax portal if your total income is below taxable limit or you expect lower tax liability. Submit the certificate to the deductor to get TDS at lower/nil rate.
Contact the deductor to verify if they have filed the TDS return and deposited the TDS. They may have made an error in quoting your PAN. You can raise a grievance on the Income Tax portal. The deductor is legally required to issue Form 130 (salary) or Form 131 (non-salary).
Form 15G (for individuals below 60) and Form 15H (for senior citizens) are declarations to avoid TDS on interest income if your total income is below taxable limit. Submit these forms to banks at the beginning of each financial year.
TDS on salary is deducted under Section 392 of the Income Tax Act, 2025 at your applicable income tax slab rate, not a fixed percentage. The employer calculates your estimated annual income, deductions, and tax liability to determine monthly TDS. Provide investment proofs to reduce TDS. The employer issues Form 130 (replaces Form 16).
The Income Tax Act, 2025 has consolidated 30+ TDS sections into three main sections: Section 392 (TDS on salary, replaces Section 192), Section 393 (TDS on non-salary payments such as rent, professional fees, contractor payments, interest, commission, crypto, gaming — replaces Sections 194A-194Q), and Section 394 (Tax Collected at Source, replaces Section 206C).
Yes, under the Income Tax Act, 2025, TDS on virtual digital assets (crypto) and online gaming winnings is covered under Section 393. TDS on crypto transfers is 1% above ₹10,000 per transaction, and TDS on online gaming winnings is 30% above ₹100 per game. These were previously under Sections 194S and 194BA respectively.
Under Section 393 of the Income Tax Act, 2025, banks deduct TDS at 10% on FD interest exceeding ₹40,000 per year (₹50,000 for senior citizens). Submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.
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