TDS Calculator

How to Use TDS Calculator

1. Pick the TDS section. Use the dropdown to select the applicable section — 194A for interest, 194C for contractors, 194H for commission, 194I for rent, 194J for professional fees, or 192A for EPF withdrawal.
2. Enter the payment amount. Type the gross amount of the transaction or income. The tool checks it against the section’s threshold limit.
3. Confirm PAN status. Toggle whether you have furnished your PAN. Without PAN, the TDS rate jumps to 20% regardless of the section rate.
4. Click Calculate. The calculator displays the TDS deducted and the net amount you receive. If the amount is below the threshold, TDS is shown as zero with a clear note.

Benefits of TDS Calculator

• Covers six common TDS sections with the correct FY 2025‑26 rates and threshold limits, all in one screen.
• Editable rate field allows you to adjust for notifications or specific deductee categories (e.g., senior citizens, companies).
• PAN toggle demonstrates the harsh penalty of not providing PAN — the 20% deduction rule.
• Instant, private, and requires no registration; your financial data never leaves your browser.

Frequently Asked Questions

What happens if I don't provide my PAN to the deductor?

Under Section 206AA, TDS is deducted at the higher of 20%, the rate in force, or the prescribed rate. This can mean a 20% cut instead of 1‑2%, so always ensure your PAN is on file.

Is TDS deducted if the amount is below the threshold?

No. Each section has a threshold exemption — for example, ₹50,000 for bank interest under 194A for non‑seniors. If the payment is below that limit, no TDS is deducted.

Can I claim TDS back if I have no taxable income?

Yes, you can file an income tax return and claim a refund of the TDS deducted. Submitting Form 15G or 15H beforehand can also prevent TDS deduction on interest income.

Is TDS Calculator free and private?

Yes — it is 100% free, needs no sign‑up, and everything runs in your browser; your data never leaves your device.