TDS Calculator
Calculate TDS for any section under the Income Tax Act
Free TDS calculator for FY 2026-27. Covers 194A, 194C, 194H, 194I, 194J, 194Q and more. Enter payment amount, select section, get TDS instantly.
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What is a TDS Calculator?
Tax Deducted at Source (TDS) is India's mechanism for collecting income tax at the point of payment. When a business pays a contractor, professional, landlord, or bank, it deducts a percentage of the payment and deposits it with the government on behalf of the recipient. The recipient then claims this as prepaid tax when filing their ITR.
Our TDS calculator covers the most common sections under the Income Tax Act for FY 2026-27: 194A (bank interest), 194C (contractors), 194H (commission), 194I (rent), 194J (professional/technical services), and 194Q (purchase of goods). Each section has a threshold below which TDS is not applicable — and a fixed rate that applies once the threshold is crossed.
A key rule under Section 206AA is the no-PAN surcharge: if the payee does not furnish their PAN, TDS is deducted at 20% regardless of the section rate. This calculator applies that automatically when you toggle off the PAN option.
Why use this TDS Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
8 TDS sections
Covers 194A, 194C (individual + others), 194H, 194I (land + plant), 194J, and 194Q with FY 2026-27 thresholds and rates.
PAN / no-PAN mode
Toggle PAN status to see 206AA double-rate impact automatically.
Instant threshold check
Tells you if the payment clears the section threshold before calculating.
100% private
Runs in-browser. No data sent to any server.
Using the TDS Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Enter payment amount
The gross amount being paid before any TDS deduction.
Select TDS section
Pick the section that matches the nature of the payment — 194J for professional fees, 194C for contractors, 194I for rent, etc.
Confirm PAN availability
If the payee has not given their PAN, toggle to "No" — Section 206AA applies 20% TDS regardless of the section rate.
Read the result
The calculator shows TDS amount, net payable, and whether the threshold was crossed. Deposit the TDS to TRACES by the 7th of the next month.
Tips to get the most out of it
Always collect PAN before making the first payment to avoid the 20% 206AA surcharge — it's often far more than the original TDS rate.
For 194C, note the ₹30,000 per-contract threshold AND the ₹1,00,000 aggregate threshold for the year — whichever triggers first means TDS applies from that point.
File TDS returns (Form 24Q/26Q) quarterly. Late filing attracts ₹200/day penalty under 234E.
Senior citizens: the 194A threshold for bank interest is ₹1,00,000 (vs ₹50,000 for others) — don't over-deduct.
Issue Form 16A (TDS certificate) to the payee within 15 days of the due date of TDS return filing.
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
Freelance designer invoice ₹1,20,000
Section 194J applies. Rate 10%. TDS = ₹12,000. Net payable to designer: ₹1,08,000. Deposit ₹12,000 to TRACES by 7th of next month.
Office rent ₹60,000/month
Section 194I (land/building). Rate 10%. Monthly TDS = ₹6,000. Net rent payment = ₹54,000. Annual TDS = ₹72,000.
Contractor payment ₹25,000 (no PAN)
Section 194C threshold is ₹30,000 — normally no TDS. BUT without PAN (206AA), TDS at 20% on the full amount = ₹5,000. Always collect PAN.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
The payer (deductor) — usually a company, firm, or individual whose accounts are audited. Individuals and HUFs not covered by audit are exempt from TDS for most sections except 194IA (property) and 194IB (rent).
The disallowed expense is treated as 30% disallowance in P&L under Section 40(a)(ia). Plus 1.5% per month interest under Section 201(1A), and prosecution for willful default.
No. TDS is deducted on the base amount (excluding GST) as per CBDT circular 23/2017. Ask your vendor to separate GST in the invoice.
7th of the following month for all months except March, where it's 30th April. For March TDS on salary, the deadline is 30th April.
The TDS appears in your Form 26AS and AIS. Claim it in your ITR under "TDS on other income / professional income". It reduces your final tax liability.
The quarterly TDS certificate issued by the deductor to the deductee. Must be issued within 15 days of TDS return filing due date. Form 16 is only for salary; 16A covers all other payments.
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