Stax

TDS Calculator

Calculate TDS on different payment types — salary, FD interest, rent, professional fees, commissions. Includes no-PAN flat 20% rule.

Slab rate; this is approx.

Estimates only. Salary TDS uses your full income tax slab; this calculator shows a flat 10% as a placeholder. For salary, use our Income Tax Calculator instead. Surcharge and cess (typically 4% Health & Education Cess) may apply on top of the rates shown.

What is a TDS calculator?

A TDS calculator computes the tax to be deducted at source for various payment types under different sections of the Indian Income Tax Act. Pick the payment type, enter the amount, and (optionally) flag missing PAN — the calculator returns the TDS amount and net payable.

Why TDS matters for both payer and payee

For the payer (employer, bank, tenant): you're legally required to deduct TDS, deposit it with the government within 7 days of the next month, and issue Form 16/16A to the payee. Failure to deduct or deposit on time attracts interest, penalty, and disallowance of the expense in your books. For the payee: TDS shows up in Form 26AS — it's your record of tax already paid.

Salary TDS is different

Salary TDS isn't a flat rate — it's calculated based on your projected total annual income, your tax regime (old vs new), declared exemptions/deductions, and the income tax slab. This calculator shows a simplified 10% placeholder for salary; for accurate salary TDS use our Income Tax Calculator instead.

Frequently asked questions

What is TDS?
Tax Deducted at Source is income tax collected by the payer (employer, bank, tenant, etc.) at the time of payment, then deposited with the government on the recipient's behalf. The recipient gets credit for this amount when filing their ITR. Goal: collect tax as income arises, not in a lump sum at year-end.
What are common TDS rates?
FD interest: 10% if >₹40,000/year (₹50k for seniors). Rent: 10% (Section 194I) if >₹2.4 lakh/year, or 5% (Section 194IB) if individual paying >₹50k/month rent. Professional fees: 10%. Commission: 5%. Salary: variable per slab. Contractor: 1% individual / 2% company.
What if I don't have PAN?
Section 206AA mandates a flat 20% TDS deduction (or the applicable rate, whichever is higher) on most payments if the recipient hasn't furnished PAN. This is meant to discourage transactions outside the tax net. Salary TDS is excluded from this rule.
Can I claim back excess TDS?
Yes — if your actual tax liability is lower than total TDS, you claim a refund when filing ITR. Most refunds are processed within 30–90 days. Senior citizens with no other income can submit Form 15H to banks to skip TDS on FD interest below threshold; younger non-taxable income earners use Form 15G.
How is TDS different from advance tax?
TDS is deducted by the payer at the time of payment. Advance tax is paid by you directly to the government if your annual tax liability exceeds ₹10,000 (after TDS credit). Salaried employees rarely owe advance tax because employer TDS covers it; freelancers and rental-income earners typically must pay advance tax.

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