TDS Calculator

What is TDS?

TDS (Tax Deducted at Source) is tax that the payer deducts before paying you. It applies to salary, interest (e.g. bank FD, bonds), rent, professional fees, contractor payments, and other income types. The payer deposits the deducted tax with the government, and you can claim it against your final tax when you file your return. So TDS is not an extra tax—it is an advance payment. This calculator gives a quick estimate using the rate you select for the type of payment you have in mind.

TDS rates vary by type of payment and whether you have provided your PAN. For example, interest on fixed deposits is often taxed at 10% if PAN is furnished (higher if not). Salary TDS is based on your income tax slabs. For official TDS rules and refunds, refer to the Income Tax Department and a qualified CA.

Example: ₹1,00,000 at 10% TDS

If you receive ₹1,00,000 (gross) and 10% TDS applies (e.g. interest on bank FD when PAN is provided): TDS = ₹10,000, so the net amount you receive is ₹90,000. The ₹10,000 is deposited with the government and you can claim it in your return against your total tax. Rates vary by type of payment and PAN status—without PAN, TDS may be 20% or as per the law. Use the calculator above with your gross amount and the applicable rate to get TDS and net amount.

Benefits of Using This Calculator

A TDS calculator helps you quickly find how much tax will be deducted from a payment and what net amount you will receive, so you can plan for interest income, rent, or other payments. It is useful for both payers (who must deduct and deposit TDS) and recipients (who want to know the net amount).

Use it to estimate TDS at common rates and to check the impact of providing PAN (often lower TDS) vs not providing it. The result is an estimate; actual TDS depends on the exact type of payment and current rules. For official TDS matters and refunds, refer to the Income Tax Department and a CA.

How to Use This Calculator

Enter the gross amount (before TDS) and the TDS rate that applies to your type of payment (e.g. 10% for interest with PAN, or select a preset if the tool offers one). The calculator shows the TDS amount and the net amount you receive.

Rates vary by payment type and PAN status; use this for quick estimates. For salary, TDS is usually based on income tax slabs—use our Income Tax Calculator for that. For official TDS deduction, deposit, and refund matters, refer to the Income Tax Department and a CA.

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