What is a TDS Calculator?
Your employer estimates your full-year tax liability at the start of the year (and revises it as your declarations come in) and deducts it in equal-ish monthly instalments as TDS (Tax Deducted at Source) under Section 192 — this is what shows up as a deduction on your monthly payslip.
Enter your expected annual gross salary and pick a regime to see the estimated monthly TDS — useful for sanity-checking your payslip or planning your take-home pay before a new job or raise kicks in.
How monthly TDS is estimated
In practice, employers often front-load or adjust TDS across the year as your declared investments and bonus payouts come in, so your actual monthly deduction may not be perfectly even — this calculator shows the simple annual-average estimate.
Frequently asked questions
Why does my payslip show a different TDS than this?
Employers recompute your projected annual tax whenever your salary, bonus, or declared deductions change, and may adjust TDS unevenly across remaining months to true up — this calculator only shows a simple 12-way average.
What TDS rate applies to other income, like FD interest or rent?
Those follow separate sections with their own flat rates — commonly 10% on FD/RD interest above the exemption threshold (Section 194A), 10% on rent paid by companies or 2–5% for individuals paying above threshold (Section 194-I), and 10% on professional fees (Section 194J). These aren’t salary TDS and use flat rates, not slabs.
Can I get excess TDS refunded?
Yes — if your actual tax liability (after filing your return) is lower than the TDS deducted through the year, the excess is refunded when you file your Income Tax Return.