TDS on Salary Calculator
Monthly tax deducted at source from your salary under Section 192.
TDS working
| Item | Amount |
|---|---|
| Annual gross salary | ₹12,00,000 |
| Taxable income after deductions | ₹11,25,000 |
| Annual tax (incl. 4% cess) | ₹0 |
| Even monthly TDS (12 months) | ₹0 |
| TDS already deducted | ₹0 |
| Tax still to be recovered | ₹0 |
| TDS per remaining month | ₹0 |
TDS on salary is the income tax your employer deducts from your pay every month and deposits with the government on your behalf under Section 192. This calculator estimates your full-year tax on FY 2025-26 slabs, then spreads it across the months left in the financial year so you know what to expect on your payslip.
It works for both regimes. Choose the new regime for the default lower slabs with a ₹75,000 standard deduction, or the old regime if you claim 80C, 80D, HRA and home-loan interest. Enter any TDS already deducted this year and the calculator recomputes the per-month figure for the remaining months.
How is TDS on salary calculated?
Under Section 192 your employer estimates your taxable salary for the whole financial year, computes the tax on it using the slab rates plus 4% health and education cess, and divides that by 12. The working formula is: Monthly TDS = Annual tax ÷ 12, and when part of the year is over, TDS per remaining month = (Annual tax − TDS already deducted) ÷ Months remaining.
Worked example: on an annual gross salary of ₹25,00,000 under the new regime, the ₹75,000 standard deduction leaves taxable income of ₹24,25,000. Slab tax comes to ₹3,07,500 and 4% cess adds ₹12,300, giving an annual liability of ₹3,19,800 — a monthly TDS of ₹26,650. If ₹1,00,000 has already been deducted and six months remain, the balance of ₹2,19,800 is spread as ₹36,633.33 per month.
How to use this calculator
- Pick your regime — new is the default for FY 2025-26 unless you have told your employer otherwise.
- Enter your annual gross salary, the figure before any deductions.
- In the old regime, add up your 80C, 80D, HRA exemption and home-loan interest and enter the total in the deductions slider.
- Enter the TDS your employer has already cut this financial year — you will find it on your payslips or in Form 26AS.
- Set how many salary months are left before 31 March to see what should be deducted each month from here on.
TDS rules every salaried Indian should know
Your employer asks for an investment declaration at the start of the financial year and deducts TDS on that basis, then asks for proofs around December or January. If you fail to submit proofs, the declared deductions are dropped and the last few months see very heavy deductions — which is exactly the situation this calculator helps you anticipate. Declaring realistically in April is better than a February shock.
TDS deducted is only an advance payment, not your final tax. Deposits are reflected in Form 26AS and the Annual Information Statement, and your employer issues Form 16 by 15 June. If too much was deducted — because you joined mid-year, had income only for part of the year, or made investments the employer did not count — you claim the excess back as a refund when you file your return. Always cross-check Form 16 against Form 26AS before filing.
Frequently asked questions
How much TDS is deducted from salary?
There is no fixed rate — TDS on salary equals your estimated annual income tax divided by the number of salary months in the year. Someone earning ₹25 lakh under the new regime for FY 2025-26 faces about ₹3,19,800 of annual tax, or roughly ₹26,650 a month, while someone earning ₹12 lakh pays nothing at all after the standard deduction and rebate.
At what salary does TDS start being deducted?
Under the new regime for FY 2025-26, a salaried person with income up to ₹12,75,000 pays no tax because the ₹75,000 standard deduction brings taxable income to ₹12,00,000, where the Section 87A rebate wipes out the liability. Under the old regime the effective no-tax point is much lower and depends on how many deductions you claim.
Can I change my tax regime during the year?
You can tell your employer which regime to use for TDS at the start of the year and, in most organisations, revise it once during the year. More importantly, a salaried taxpayer without business income can still switch regimes when filing the return, so a wrong choice for TDS purposes can be corrected then.
What happens if my employer deducts more TDS than I owe?
The excess is refunded when you file your income tax return. Report the actual deductions you are eligible for, claim credit for the TDS shown in Form 26AS, and the Income Tax Department pays the difference back to your bank account, usually within a few weeks of processing.
How do I check the TDS deducted on my salary?
Look at Form 26AS and the Annual Information Statement on the income tax e-filing portal, both of which show quarter-wise TDS credited against your PAN. Compare them with the deductions on your payslips and with Part A of Form 16 — if they do not match, ask your employer to file a correction statement.
Is TDS deducted on salary if I switch jobs mid-year?
Yes, and it is a common cause of shortfalls. Each employer deducts TDS as if it were paying you for the whole year, so the two together often deduct less than you actually owe. Give your new employer Form 12B with details of the previous salary so it can deduct correctly.
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Disclaimer: results are estimates based on the inputs and published rules/rates, for information only — not investment, tax or legal advice. Verify important decisions with a qualified professional. See our full disclaimer.