TDS Calculator
Estimate the monthly TDS (Tax Deducted at Source) your employer is likely to deduct from your salary.
- Free to use
- No registration required
- Works on all devices
- Last updated
- 17-09-2026
Your result
₹16,033.33
Estimated monthly TDS
AI explanation
Formula
Monthly TDS = annual tax liability (per slab-based computation) / 12Worked examples
₹20L gross income, new regime
| Field | Value |
|---|---|
| Gross annual income | ₹20,00,000 |
| Tax regime | new |
| Deductions (old regime only, e.g. 80C) | ₹0 |
| Estimated monthly TDS | ₹16,033.33 |
At the ₹12,00,000 rebate threshold: ₹12,75,000 gross, New Regime (taxable income exactly ₹12,00,000)
| Field | Value |
|---|---|
| Gross annual income | ₹12,75,000 |
| Tax regime | new |
| Deductions (old regime only, e.g. 80C) | ₹0 |
| Estimated monthly TDS | ₹0 |
Marginal relief, one rupee over: ₹12,75,001 gross, New Regime (taxable income ₹12,00,001)
| Field | Value |
|---|---|
| Gross annual income | ₹12,75,001 |
| Tax regime | new |
| Deductions (old regime only, e.g. 80C) | ₹0 |
| Estimated monthly TDS | ₹0.09 |
₹12,00,000 gross, Old Regime, full ₹1,50,000 Section 80C deduction
| Field | Value |
|---|---|
| Gross annual income | ₹12,00,000 |
| Tax regime | old |
| Deductions (old regime only, e.g. 80C) | ₹1,50,000 |
| Estimated monthly TDS | ₹9,750 |
Assumptions
- Uses the same slab-based income tax computation as the Income Tax Calculator, evenly spread across 12 months — actual employer TDS calculations may front-load or adjust deductions across the year based on declared investments and Form 12BB submissions.
- Applies to salaried employees below 60 years of age.
- Surcharge (applicable above ₹50,00,000 taxable income) is not included — this estimate will understate monthly TDS for very high earners whose taxable income crosses that level.
- Old regime models only a single Section 80C-style deduction input, not 80D, HRA exemption, or other individual sections — real employer TDS may differ if those apply to you.
Frequently asked questions
What is TDS?
Tax Deducted at Source — your employer deducts an estimated portion of your annual income tax liability from each month's salary and deposits it with the government on your behalf.
Why might my actual TDS differ from this estimate?
Employers may adjust TDS deductions across the year based on your declared investments, bonus timing, or mid-year salary changes — this calculator gives a simple even-split estimate.
Can I get excess TDS refunded?
Yes — if your total TDS deducted exceeds your actual tax liability (e.g. due to deductions claimed only at year-end), you can claim a refund when filing your income tax return.
What if TDS deducted turns out to be less than my actual tax liability?
You owe the shortfall directly when you file your return. This can happen if you have income your employer doesn't know about (freelance income, interest, capital gains) or if declared investments/deductions weren't actually made — the reverse of the excess-TDS refund case above.
Does my monthly TDS suddenly jump by thousands of rupees from a small raise past ₹12,00,000?
No — Section 87A's marginal relief specifically prevents that. On the new regime, taxable income of exactly ₹12,00,000 produces ₹0 total tax (and ₹0 monthly TDS), since the rebate fully cancels the ₹60,000 slab tax. One rupee more of taxable income doesn't lose the rebate outright: marginal relief caps total tax at the amount by which income exceeds ₹12,00,000, plus cess on that capped amount — about ₹0.09 a month at ₹12,00,001, or ₹866.67 a month at ₹12,10,000 taxable income (₹10,400 annual tax including cess). Only once income moves well past the threshold (slab tax alone exceeding the excess, around ₹12,70,588 taxable income) does TDS climb toward the full unrebated amount.
Does this estimate include surcharge for very high incomes?
No. This calculator (like the Income Tax Calculator it's built on) does not model surcharge, which applies above ₹50,00,000 of taxable income. If your taxable income is above that level, your employer's actual monthly TDS will be higher than this estimate because it must include surcharge on top of the slab-based tax shown here.
Why does this calculator show ₹0 monthly TDS at some income levels?
Because the Section 87A-style rebate used in the underlying computation makes total annual tax ₹0 whenever taxable income is at or below the rebate threshold (₹12,00,000 under the new regime, ₹5,00,000 under the old regime) — with no tax liability, there's nothing for an employer to deduct as TDS.
Related calculators
Sources
Official sources
- What is rebate under section 87A for F.Y 2025-26 and who can claim it? (official FAQ, incl. marginal relief) — Income Tax Department (CBDT), Ministry of Finance, Government of India. Effective 01-04-2025, checked 17-09-2026.
Further reading
- Income Tax Slabs — Income Tax Department, Government of India. Effective 01-04-2026, checked 13-09-2026.
This calculator provides a general estimate only and does not constitute tax advice. Your actual TDS is determined by your employer's payroll process.
Report a calculation issue