TDS Calculator

Tax Deducted at Source (TDS) is a method used by the government to collect tax at the very source of income. Whether you are an individual, a business, or a professional, understanding TDS and how it applies to your payments is important to avoid surprises during tax filing.
Our TDS Calculator helps you quickly find out how much TDS will be deducted from your payment based on the applicable tax laws. It saves time and helps you plan your finances better.

TDS Calculator

Recipient Type:
Individual / HUF / Sole ProprietorOthers
Amount of Payment (₹):

PAN of Recipient Available?
YesNo
Nature of Payment (Section):
Select sectionSection 192 – SalarySection 192A – Payment of accumulated PF balance to an employeeSection 193 – Interest on securitiesSection 194 – DividendSection 194A – Interest other than securitiesSection 194C – Payment to contractors/sub-contractorsSection 194D – Insurance commissionSection 194H – Commission or brokerageSection 194I – RentSection 194J – Fees for professional or technical servicesSection 194K – Income in respect of unitsSection 194LA – Compensation on acquisition of immovable propertySection 194M – Payment to resident contractors or professionalsSection 194N – Cash withdrawal from banksSection 194O – E-commerce operatorsSection 194Q – Purchase of goodsSection 194R – Benefits or perquisitesSection 194S – Virtual digital assets
Calculate

TDS Amount: ₹0.00

Net Amount After TDS: ₹0.00

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What is TDS?

TDS stands for Tax Deducted at Source. It is a way for the government to collect taxes from your income in advance.

When someone pays you (like salary, interest, rent, or professional fees), they may be required to deduct a small portion as tax and deposit it directly to the government. This deducted amount is called TDS.

You can later adjust or claim this TDS amount while filing your income tax return.

TDS Calculation Formula

The basic formula to calculate TDS is:
TDS = Payment Amount × TDS Rate (%)

• Payment Amount: The total sum being given to the recipient.
• TDS Rate: The applicable tax rate based on the nature of the payment and section (as per the Income Tax Act).
  If PAN is not provided by the recipient, then higher TDS (usually 20%) is deducted under Section 206AA.

Example of TDS Calculation

Let’s say:

• You are paying ₹1,00,000 as professional fees to a consultant.
• Applicable TDS rate under Section 194J is 10%.
• The consultant has provided a valid PAN.
  Then the calculation will be:
  TDS = ₹1,00,000 × 10% = ₹10,000
  So:
• You will deduct ₹10,000 as TDS.
• The consultant will receive ₹90,000.
• You will deposit ₹10,000 to the government against the consultant’s PAN.

Case Without PAN:

If the consultant fails to provide a PAN, TDS will be deducted at a higher rate of 20%.
TDS = ₹1,00,000 × 20% = ₹20,000

• The consultant receives ₹80,000 only.

How Does the TDS Calculator Work?

Using the TDS Calculator is simple:

1. Select Recipient Type: Individual, HUF, firm, company, etc.
2. Enter Payment Amount: The gross amount to be paid.
3. Choose if PAN is Available: TDS is higher without PAN.
4. Choose Payment Type (Section): Such as salary (Sec 192), rent (Sec 194I), professional fees (Sec 194J), etc.
5. Click Calculate to get the TDS amount, final payable amount, and applicable TDS rules.

Why Use Our TDS Calculator?

• Easy and fast
• Based on the latest tax rates
• Accurate results
• Helps in tax planning
• Free and accessible online

Important Points

• TDS must be deposited by the 7th of next month.
• TDS is reflected in Form 26AS of the recipient.
• TDS is adjustable while filing ITR.
• If PAN is not provided, TDS at 20% or more may apply.
• Some payments have exempt limits (e.g., no TDS if rent < ₹2.4 lakh/year).

Conclusion

TDS plays an important role in income tax compliance by ensuring that taxes are collected at the source in advance. With a reliable TDS Calculator, individuals and businesses can quickly estimate their tax liability and avoid penalties. Whether you’re salaried or a business owner, calculating TDS correctly helps in better financial planning. Try our free TDS Calculator to stay compliant and worry-free.

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FAQs

1. What is TDS and why is it deducted?

TDS (Tax Deducted at Source) is a tax collected by the government from the income source itself. It ensures timely tax collection and reduces the burden during return filing.

2. How do I calculate TDS on payments?

TDS is calculated using this simple formula:

TDS = Payment Amount × Applicable TDS Rate

You can also use an online TDS Calculator for quick results.

3. What happens if PAN is not provided?

If PAN is not provided, TDS is deducted at a higher rate—typically 20% or more—as per Section 206AA of the Income Tax Act.

4. Is TDS refundable?

Yes, if extra TDS has been deducted, you can claim a refund while filing your Income Tax Return (ITR).

5. When should TDS be deposited?

TDS should be deposited with the government by the 7th day of the month following the month in which it was deducted.

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