💼 TDS Calculator — Current Tax Year 2026-27
TDS Calculator India 2026
Quick answer: Estimate tax deducted at source for common salary, FD-interest and rent scenarios. Use the result as a planning estimate and check the applicable rules.
Estimate TDS for salary, bank interest, rent, professional fees and other covered payments.
1. Select payment type2. Enter amount3. Calculate TDS
TDS Calculator India 2026: get to the answer faster
Estimate TDS for common salary, FD-interest and rent scenarios, then review the applicable assumptions and tax notes.
💼 Select Payment Type & Enter Amount
Enter gross annual salary before any deductions
Only for salary TDS (Section 192). Enter total 80C + other deductions.
📋 TDS Calculation Result
TDS Amount
₹0
—
Section—
Gross Amount—
TDS Rate Applied—
TDS Amount—
Net Amount (After TDS)—
Threshold Limit—
Current-law note: For payments or credits on or after 1 April 2026, TDS obligations are governed by the Income-tax Act, 2025. The familiar section labels below are retained where useful for search/reference; verify the corresponding current provision for filing and compliance.
📋 TDS Rate Chart — Current Provisions
| Section | Nature of Payment | Threshold | TDS Rate | No PAN Rate |
|---|---|---|---|---|
| 192 | Salary | Basic exemption limit | As per income slab | — |
| 194A | FD / Bank Interest | ₹50,000 (₹1,00,000 senior citizen for bank/co-operative bank/post office interest) | 10% | 20% |
| 194C | Contractor payment | ₹30,000 single / ₹1L annual | 1% (individual) / 2% (company) | 20% |
| 194I | Rent (land/building) | ₹50,000 per month or part of a month | 10% | 20% |
| 194I(a) | Rent (plant/machinery) | ₹50,000 per month or part of a month | 2% | 20% |
| 194J | Professional fees | ₹50,000 per year | 10% (2% for technical) | 20% |
| 194H | Commission/Brokerage | ₹20,000 per year | 5% | 20% |
| 194B | Lottery / Game winnings | ₹10,000 | 30% | 30% |
| 194M | Payment to contractors (individual) | ₹50,00,000 | 5% | 20% |
TDS क्या होता है? (What is TDS?)
TDS (Tax Deducted at Source) — यह एक tax collection mechanism है जहाँ payer (जो payment दे रहा है) tax काट कर directly government को जमा करता है। बाकी amount payee को मिलती है।
Example: Bank आपको FD interest ₹1,00,000 देना है। TDS @ 10% = ₹10,000। आपको मिलेगा ₹90,000। Bank ने ₹10,000 आपकी तरफ से IT department को भेज दिया। यही TDS है।
TDS बचाने के तरीके (How to Avoid TDS)
Form 15G / 15H: If your total income is below taxable limit, submit Form 15G (below 60 yrs) or Form 15H (senior citizens) to your bank — zero TDS on FD interest.
Salary TDS: Declare all investments (80C, HRA, home loan) to HR at start of year — reduces TDS from salary.
Refund: If excess TDS deducted, file ITR and claim refund. Usually credited in 3-4 months.