TDS Calculator
Estimate monthly TDS requirement, remaining tax and shortfall from annual tax liability, TDS already deducted and months elapsed.
यहाँ से शुरू करें
- क्या भरें
- अनुमानित सालाना आयकर, अब तक कटा TDS और वित्त वर्ष में बीते वेतन महीने भरें।
- नतीजे का मतलब
- बाकी कर को बाकी वेतन महीनों में बाँटकर मासिक TDS बताया जाता है।
उदाहरण और सीमाएँ देखें
- आसान उदाहरण
- ₹60,000 कर में ₹30,000 कट चुका हो और 6 महीने बाकी हों तो ₹5,000 मासिक चाहिए।
- ध्यान रखें
- यह वेतन TDS का बँटवारा है, ब्याज या किराये की तय-दर TDS गणना नहीं। TDS अग्रिम भुगतान है, अंतिम कर नहीं।
अपना परिणाम कैलकुलेट करें
अपने आँकड़े दर्ज करें। बदलाव के साथ अनुमान और चार्ट अपडेट होंगे।
TDS inputs
- Monthly TDS needed now
- ₹13,333
- 6 months remaining
- Remaining tax
- ₹80,000
- Shortfall so far
- ₹15,000
- Effective TDS rate
- 8.7%
आपके आँकड़ों का मतलब
TDS is ₹15,000 behind schedule.
To catch up, monthly TDS must rise from ₹10,833 to ₹13,333 for the last 6 months; update your declarations with your employer.
Your tax works out to 8.7% of taxable income.
That's about ₹10,833 a month on average; your top slab rate can be higher because lower slabs are taxed less.
Salary payroll allocation using your estimated annual tax, not a statutory flat-rate TDS calculator for rent, interest or professional fees. No income threshold is applied here; use the applicable year's income-tax calculation first.
अपनी गणना समझें
Salary TDS spreads your estimated annual tax across the twelve payroll months. This calculator compares your estimated annual tax with the TDS already deducted and the months completed, then spreads whatever is left over the rest of the financial year. It's not a flat-rate TDS calculator for interest, rent, purchases or professional fees.
TDS Calculator क्यों उपयोग करें
Employers deduct TDS from what they know: your declared regime, investment proofs and salary. When something changes mid-year, such as a bonus, a raise, a job switch, a missed proof submission or a regime change, the deduction drifts away from your real liability. Catching that by October gives payroll six months to fix it, instead of you facing a lump-sum tax bill in July or waiting months for a refund.
एक नज़र में लाभ
Remaining monthly TDS
See how much needs to come out of each remaining salary so the full year's tax is covered by March.
Shortfall check
Compare what should have been deducted by now (an even monthly share) with what actually was.
Effective rate
View your total tax as a percentage of income, which is usually far below your top slab rate.
Early warning on job changes
Two employers each assume they're your only payer. Adding both TDS amounts here shows whether the combined total falls short.
TDS Calculator कैसे उपयोग करें
- 1
Estimate annual tax
Use the income tax calculator for the regime you've declared to your employer, including bonus and income from any previous employer this year.
- 2
Enter TDS deducted
Add up TDS from your payslips, or check Form 26AS/AIS for the year so far. Include TDS from a previous employer.
- 3
Enter months elapsed
Count completed payroll months since April. After September's salary, that's 6.
- 4
Review remaining monthly TDS
If the required monthly figure is higher than your current deduction, update declarations or ask payroll to revise TDS.
उदाहरण
₹15 lakh salary, TDS behind after six months
A salaried employee on ₹15 lakh gross income under the FY 2026-27 new regime owes ₹97,500 (taxable ₹14,25,000 after the ₹75,000 standard deduction, slab tax ₹93,750 plus 4% cess). The even monthly share is 97,500 ÷ 12 = ₹8,125, so after 6 months ₹48,750 should have been deducted. Only ₹40,000 was, leaving a shortfall of ₹8,750. The remaining ₹57,500 spread over 6 months is ₹9,583 a month.
- Annual tax (new regime)
- ₹97,500
- Expected TDS by month 6
- ₹48,750
- Shortfall so far
- ₹8,750
- Monthly TDS needed for the rest of the year
- ₹9,583
- Effective tax rate
- 6.5%
A ₹1,458 monthly increase from October clears the gap by March without any self-assessment payment.
इसकी गणना कैसे होती है
The calculator starts from the annual tax you enter. It sets an even benchmark of monthly TDS required = annual tax ÷ 12 and expected deducted so far = monthly TDS required × months elapsed, where months elapsed is rounded down to a whole number and held between 0 and 12.
The gap is shortfall = max(0, expected so far − TDS deducted). What's left for the year is remaining tax = max(0, annual tax − TDS deducted), and it's spread evenly: monthly TDS needed = remaining tax ÷ (12 − months elapsed). At 12 months nothing remains to spread, so the result shows the year as ended.
The effective rate is annual tax ÷ annual income × 100. No TDS rate, threshold or slab is applied inside this tool; the accuracy depends entirely on the annual tax figure you supply.
मान्यताएँ और सीमाएँ
- This is salary payroll planning, not a TDS rate/threshold or return tool.
- Annual tax is supplied by you; no fixed TDS rate or income threshold is inferred.
- At 12 completed months no payroll deduction months remain; review the residual tax payment or refund separately.
- Interest under Sections 234B/234C is not calculated.
- Use actual Form 26AS/AIS for filing.
अक्सर पूछे जाने वाले प्रश्न
Can TDS be changed mid-year?
Yes. Employers recalculate salary TDS based on your declarations, proofs and updated salary, so revised investment declarations or a regime change usually shows up in the following months' deductions.
What if TDS is too high?
Any excess over your final tax liability is refunded after you file your return. It's your money sitting with the government in the meantime, so it's worth correcting declarations rather than waiting.
What if TDS is too low?
You pay the balance yourself as advance tax or self-assessment tax before filing. Interest under Sections 234B/234C can apply depending on the shortfall and timing, which this tool doesn't calculate.
I changed jobs mid-year. Why is my tax short?
Each employer typically gives the standard deduction and lower slabs on the salary it pays, unless you declare the previous employer's income. Add both salaries in the income tax calculator, enter the combined TDS here and share the details with your new employer.
Why is my effective rate lower than my slab?
Lower slabs are taxed at lower rates. On ₹15 lakh under the new regime, the top slab is 15% but total tax is ₹97,500, an effective 6.5% of gross income.
Does this work for TDS on FD interest or rent?
No. Those use fixed section rates and thresholds. This tool only allocates salary tax you've already estimated across payroll months.
अंतिम बात
Run the TDS check after any change in salary, bonus, job or regime, and again before the last quarter. If the monthly figure has jumped, update your declarations with payroll so the year's tax is covered through salary rather than a lump sum at filing time.
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