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10% TDS

TDS Calculator

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Calculate Tax Deducted at Source (TDS) on salary, contracts, professional fees, rent, interest and more — all major sections under the Income Tax Act.

10+ Sections
FY 2024–25
Instant
Private

Fees to doctors, lawyers, CAs, architects, etc.

No-deduction threshold: ₹30,000.00 per year

Total TDS to Deduct

₹10,400.00

Net receivable by payee: ₹89,600.00

Gross payment₹1,00,000.00
Base TDS (10%)₹10,000.00
Surcharge (0%)₹0.00
H&E Cess (4%)₹400.00
Total TDS₹10,400.00
Net payable to deductee₹89,600.00
Effective TDS rate10.4%

ℹ Informational only. TDS rates change annually — verify with a CA or the Income Tax India portal before filing.

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How to Use

  1. 1 Select the TDS section from the dropdown — choose based on the nature of the payment
  2. 2 Enter the gross payment amount in rupees
  3. 3 Indicate whether the deductee has provided their PAN (affects the rate)
  4. 4 Optionally set the surcharge rate (applicable for high-income payees) and H&E cess (default 4%)
  5. 5 See the TDS breakdown: base deduction, surcharge, cess, total TDS, and net payable
  6. 6 Note the no-deduction threshold — TDS is not required below this amount per year

Features

  • Covers 14 TDS sections: 192, 194, 194A (bank & other interest), 194B, 194C, 194D, 194H, 194I, 194J, 194N
  • Applies the higher 20% rate automatically when PAN is not provided
  • Calculates surcharge and 4% Health & Education cess on top of the base TDS
  • Shows the no-deduction threshold for each section so you know when TDS kicks in
  • Displays net amount payable to the deductee after TDS deduction
  • Effective TDS rate shown as a percentage of the gross payment

Why it Matters

TDS (Tax Deducted at Source) is India's pay-as-you-earn tax collection mechanism. The payer deducts tax at source before paying the recipient, deposits it with the Income Tax Department, and issues a TDS certificate (Form 16/16A). Every business, freelancer, landlord, and employer deals with TDS obligations. Deducting the wrong amount — or not deducting when required — carries interest and penalties under Section 201. This calculator helps you quickly verify the correct deduction for the most common payment types.

★★★★★

Use Cases

Freelancers & Consultants

Verify TDS on professional fee invoices under Section 194J before raising them

Landlords & Tenants

Calculate TDS on rent payments above ₹2.4 lakh per year under Section 194I

Finance & Accounts Teams

Cross-check vendor payment TDS deductions before processing invoices

Business Owners

Know TDS obligations for contractor payments, commissions, and dividends

What is TDS?

Tax Deducted at Source (TDS) is a mechanism under the Indian Income Tax Act where the payer deducts a specified percentage of tax from certain payments — salary, rent, professional fees, interest, dividends — before making the payment. The deducted amount is deposited with the government, and the recipient gets credit for it when filing their income tax return.

Which section applies?

Each type of payment has its own section: Section 192 for salary (slab-based), 194A for interest, 194C for contractor payments (1% individual, 2% company), 194J for professional/technical fees (10% professional, 2% technical), 194I for rent (10% land/building, 2% plant), and so on.

Disclaimer

This tool is informational only. Rates change annually with the Union Budget. Always verify with a Chartered Accountant or the official Income Tax India portal before deducting and depositing TDS.

Frequently Asked Questions

What happens if TDS is not deducted when required?
Under Section 201 of the Income Tax Act, failure to deduct TDS makes the payer liable to pay the undeducted amount plus interest at 1% per month (for non-deduction) or 1.5% per month (for non-deposit after deduction). Disallowance of the payment as a business expense is also possible under Section 40(a)(ia).
What is the TDS rate when PAN is not provided?
Under Section 206AA, if the deductee does not furnish their PAN, TDS must be deducted at the higher of: (a) the rate specified in the section, (b) the rate in force (as per the Finance Act), or (c) 20%. For most payments this means 20% applies when PAN is absent.
Is surcharge always applicable?
Surcharge on TDS applies only when the recipient is an individual with income above ₹50 lakh (10%), ₹1 crore (15%), etc., or a company with income above ₹1 crore. For most routine payments to individuals with income below ₹50 lakh, surcharge is 0%. The tool lets you set the surcharge manually if applicable.
Why does Section 192 (salary) show 0% TDS here?
Salary TDS under Section 192 is based on the employee's estimated total taxable income for the year, applied at slab rates. There is no fixed percentage — the employer calculates TDS by estimating annual income, applying old or new regime slabs, and deducting it proportionally. Use the Income Tax Calculator for a full salary TDS estimate.
Are these rates current for FY 2024–25?
Rates reflect the Finance Act 2024 effective April 2024. TDS rates are revised each year in the Union Budget. Always verify with a Chartered Accountant or the official Income Tax India portal (incometaxindia.gov.in) before filing.
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Want to understand the math?

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TDS in India
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TDS in India: A Complete Guide to Tax Deducted at Source

Understand TDS sections, rates for FY 2024-25, threshold limits, how TDS differs from advance tax, and how to file TDS returns in India.

25 Jun 2026

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