Advance Tax Calculator
Advance tax payable and the four quarterly instalments with their due dates.
Estimated income for the whole financial year.
Salaried people get the standard deduction.
The new regime is the default unless you choose the old one.
PPF, ELSS, EPF, life insurance and so on. Capped at ₹1,50,000.
Tax already deducted by others this year.
Quick examples
Pay in four instalments; first ₹24,960 by 15 June.
What each result means
Advance tax payable
What it is: Total tax minus TDS.
Your value: ₹1,66,400
Needed only if ₹10,000 or more.
Total tax
What it is: Slab tax with rebate, surcharge and cess.
Your value: ₹1,66,400
For the full year.
Due by 15 June
What it is: 15% of the year's advance tax.
Your value: ₹24,960
First instalment.
Advance tax applies?
What it is: Yes if payable is ₹10,000 or more.
Your value: Yes
Senior citizens without business income are exempt.
Year-by-year breakdown
| Due date | Cumulative % | Instalment (₹) | Cumulative due (₹) |
|---|---|---|---|
| 15 June | 15% | ₹24,960 | ₹24,960 |
| 15 September | 45% | ₹49,920 | ₹74,880 |
| 15 December | 75% | ₹49,920 | ₹1,24,800 |
Missing these dates attracts interest under Sections 234B and 234C, which is not calculated here. Presumptive (44AD/44ADA) taxpayers can pay everything by 15 March.
Showing the first 3 of 4 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
Estimates your FY 2026–27 tax, subtracts TDS, and splits the rest into the four advance tax instalments.
What your result means
Paying on time avoids interest of 1% a month on the shortfall.
Formula
1. Instalments
Symbols
- Payable
- Total tax − TDS (₹)
Why this formula works
Section 211 sets cumulative percentages for each due date.
Unit check
₹. ✓
Common mistakes
Forgetting to subtract TDS. Skipping advance tax because you will 'pay at filing'.
Working for your numbers
- Taxable = ₹18,00,000
- Total tax = ₹1,66,400
- Payable = ₹1,66,400 − ₹0 = ₹1,66,400
Frequently asked questions
Is this the exact tax I will pay?
It is close for common cases, but it leaves out some special incomes, exemptions and set-offs. Confirm with Form 16, AIS and the Income Tax Department's own calculator before filing.
Does this calculator tell me what to do?
No. It is an educational estimate using published rules. It does not know your full situation. For a personal decision, speak to a qualified tax professional or a SEBI-registered investment adviser.
Symbols and assumptions
- Payable
- Advance tax (₹)
- Income estimate is accurate; revise instalments if it changes.
- Interest for late payment not included.
- Figures are in Indian Rupees (₹).
Sources and review
Reviewed 2026-10-05 · Next review 2026-12-31
- Income Tax Department — tax calculators and rules
- Central Board of Direct Taxes — Acts, rules and notifications
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Related Calculators
How it works
Advance tax is income tax paid during the year instead of at the end. It applies when the tax left after TDS is ₹10,000 or more, and is paid in four instalments, 15% by 15 June, 45% by 15 September, 75% by 15 December and the full amount by 15 March.
The formula
Advance tax = Tax on income + cess − TDS already deducted- Taxable income
- Income after the standard deduction and any eligible deductions
- Cess
- Health and education cess at 4% of tax
- TDS
- Tax already deducted at source
Worked example
A ₹15 lakh income under the new regime leaves a tax liability paid as four instalments through the year.
Pro tips
- Recalculate after every quarter, bonuses, capital gains and freelance income change the figure.
- Pay through the income tax portal using challan ITNS 280.
Common mistakes
- Skipping the June and September instalments, which attracts interest under section 234C.
- Forgetting to subtract the TDS your employer or clients already deducted.
Go deeper
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.