Free TDS Calculator
Calculate exact TDS deductions based on annual income and applicable tax regime.
Quick answer
TDS on salary = estimated annual income tax ÷ 12, deducted every month. Under the new regime for FY 2025-26 the slabs are 0% up to ₹4 lakh, 5% for ₹4–8 lakh, 10% for ₹8–12 lakh, 15% for ₹12–16 lakh, 20% for ₹16–20 lakh, 25% for ₹20–24 lakh and 30% above, with a ₹75,000 standard deduction. The Section 87A rebate makes tax nil up to ₹12 lakh of taxable income. Add 4% health and education cess.
Last reviewed November 2026.
How to use the TDS Calculator
Fill in these fields and the tds calculator works out the rest instantly, in your browser:
- Annual Gross Income (₹)
- Tax Regime (New Regime (FY 2025-26) / Old Regime)
- Age Group (Below 60 years / Senior Citizen (60-80) / Super Senior (80+))
- Annual PF Deduction (₹)
- HRA Exemption (₹)
- 80C + Other Deductions (₹)
Worked example
With Annual Gross Income: 1200000; Tax Regime: New Regime (FY 2025-26); Age Group: Below 60 years; Annual PF Deduction: 21600; HRA Exemption: 0; 80C + Other Deductions: 150000:
| Gross Annual Income | ₹12,00,000 |
| Net Taxable Income | ₹12,00,000 |
| Income Tax | ₹0 |
| Surcharge | ₹0 |
| Health & Education Cess (4%) | ₹0 |
| Total Annual TDS | ₹0 |
| Monthly TDS Deduction | ₹0 |
Calculated as per Finance Act 2024. Consult a CA for exact filing.
Frequently asked questions
Is the new tax regime the default?
Yes. Employees are taxed under the new regime unless they tell their employer they choose the old regime for that year.
How much TDS on ₹15 lakh salary under the new regime?
Taxable income after the ₹75,000 standard deduction is ₹14.25 lakh. Tax = ₹20,000 (4–8 lakh) + ₹40,000 (8–12 lakh) + ₹33,750 (12–14.25 lakh) = ₹93,750, plus 4% cess = ₹97,500 a year, or about ₹8,125 a month.
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