For rent under 194-IB, enter the monthly rent.
Each section has its own rate and threshold.
Without PAN, TDS is generally 20% (Section 206AA).
Quick examples
10% under Section 194A.
What each result means
TDS amount
What it is: Payment × applicable rate, if above threshold.
Your value: ₹10,000
Deposited with the government.
Amount received
What it is: Payment minus TDS.
Your value: ₹90,000
TDS can be claimed in your return.
Rate applied
What it is: Section rate, or 20% without PAN.
Your value: 10%
Shown in Form 26AS / AIS.
Year-by-year breakdown
| Payment (₹) | TDS (₹) | Received (₹) |
|---|---|---|
| ₹25,000 | ₹0 | ₹25,000 |
| ₹50,000 | ₹0 | ₹50,000 |
| ₹1,00,000 | ₹10,000 | ₹90,000 |
Same payment type at different sizes.
Showing the first 3 of 5 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
Works out tax deducted at source for common payments using FY 2026–27 thresholds.
What your result means
TDS is not an extra tax — it is advance tax collected for you, adjusted when you file your return.
Formula
1. TDS
Symbols
- rate
- Section rate (20% if no PAN)
Why this formula works
Each section sets a rate and a yearly threshold.
Unit check
₹. ✓
Common mistakes
Treating TDS as final tax. Forgetting the higher no-PAN rate.
Working for your numbers
- Threshold ₹50,000 — payment above it
- TDS = ₹1,00,000 × 10% = ₹10,000
Frequently asked questions
Can I avoid TDS on FD interest?
If your total income is below the taxable limit you can submit Form 15G (or 15H if 60+).
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
- rate
- TDS rate (%)
- Thresholds checked against a single payment, not yearly totals across payers.
- Senior citizens have a ₹1 lakh threshold for bank interest.
- 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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How it works
Applies standard TDS rates (1%, 2%, 10% etc.) based on income category and amount.
The formula
TDS = Payment × Rate%- TDS
- Tax Deducted at Source
- TAN
- Tax Deduction Account Number
Worked example
TDS on ₹50,000 professional fees at 10%.
Pro tips
- Always share PAN to avoid higher TDS rates.
- File 15G/15H if your income is below the tax limit.
Common mistakes
- Confusing TDS with total tax liability.
Go deeper
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.