TDS Calculator Online
Calculate tax deducted at source on interest, rent, professional fees, and other payments.
TDS Calculator Online: Tax Deducted at Source
Use this TDS calculator to estimate tax deducted at source on interest, rent, professional fees, and other payments in India. Enter the gross amount and rate to see TDS and net received. The deductor remits tax to the government; you claim credit in Form 26AS when filing ITR.
How to use this calculator
Enter the gross payment before TDS and the applicable rate for your transaction type. Common examples: 10% on interest above thresholds, 1% on property purchases in many cases, 10% on professional fees for residents under section 194J.
Toggle cess if you want 4% health and education cess added on the TDS amount in scenarios where it applies. Salary TDS follows slab rates via Form 16 and is more complex than a flat percentage on one payment.
The net received figure helps freelancers and investors estimate cash in hand. Match TDS credit in Form 26AS when you file ITR. Credits can take weeks to appear after the deductor deposits tax.
Rates change with budget notifications. Confirm the section and rate on the income tax portal or with a CA for large or unusual payments. Non-residents may face different rates under DTAA treaties.
If TDS is not deducted when it should have been, the payer may face interest and penalty. If excess TDS was cut, claim a refund in your ITR or apply for lower withholding under section 197 before the payment. Keep invoices and contracts that show the gross fee so you can explain mismatches if 26AS credits arrive late.
Basic TDS calculation
TDS = gross payment × TDS rate / 100 Net received = gross − TDS (− cess if applicable) Example: ₹5,00,000 professional fee at 10% TDS. TDS = ₹50,000, net = ₹4,50,000. Banks deduct 10% on FD interest when annual interest crosses ₹40,000 (₹50,000 for seniors) unless Form 15G/15H is submitted. Salary TDS uses annual taxable income slabs, not a single flat rate on each payslip component.
Frequently Asked Questions
What is Form 26AS?
It shows TDS, TCS, and tax credits linked to your PAN. Reconcile before filing ITR so credits are not missed.
TDS on FD interest?
10% TDS when annual interest exceeds ₹40,000 (₹50,000 for senior citizens) unless valid 15G/15H is on file.
Can I claim TDS refund?
If TDS exceeds your total tax liability for the year, file ITR to claim a refund after processing.
TDS vs advance tax?
TDS is deducted by the payer. Advance tax is paid by the earner when other income lacks sufficient TDS.
Lower or nil TDS certificate?
Section 197 allows approved lower withholding rates. Apply to the AO with supporting documents.
TDS on rent?
Individuals and HUFs paying rent above ₹50,000/month to residents may deduct TDS under section 194IB at 2% in many cases.
Penalty for not deducting TDS?
Deductors can face interest, penalty, and disallowance of expenses for failure to deduct or deposit TDS on time.
Form 15G and 15H?
Residents below taxable limits can submit 15G (non-seniors) or 15H (seniors) to banks so TDS is not cut on interest despite crossing the threshold, if their total income stays non-taxable.
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