01
Enter your estimated tax and TDS
Type your expected income tax for the year and the TDS that will be deducted. The calculator nets them to find your advance tax base.
Advance Tax Calculator
Pay your income tax in instalments through the year — amounts and due dates.
Updated Reviewed by Sajid Hussain· Editor
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Advance Tax bills sellers in Indian Rupee (INR), so this calculator works in INR — not your selected US Dollar ($). Every figure below matches your real Advance Tax statement. Localised USD marketplaces are coming soon.
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Last updated
June 10, 2026
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India Tax Tool
What Is an Advance Tax Calculator?
An advance tax calculator works out how much income tax you must pay during the year — after TDS — and splits it into the four instalments due on 15 June, 15 September, 15 December, and 15 March.
India runs on a "pay as you earn" system. If your tax for the year, after TDS, comes to ₹10,000 or more, you cannot wait until you file — you must pay it in instalments through the year. Miss a date and interest piles up under Sections 234B and 234C. This calculator turns your estimated tax into a clear instalment plan.
**Advance tax is the tax left after TDS.** Estimate your total income tax for the year, subtract the TDS your employer, bank, or clients will deduct, and what remains is your advance tax. The calculator does this netting and checks it against the ₹10,000 threshold.
**The schedule is fixed and cumulative.** You pay 15% by 15 June, 45% by 15 September, 75% by 15 December, and 100% by 15 March. The calculator shows the rupee amount due by each date, so you can plan your cash flow around them.
**Some taxpayers follow different rules.** Presumptive taxpayers under 44AD/44ADA pay the whole amount in one instalment by 15 March. Senior citizens (60+) with no business income are exempt entirely. The calculator applies whichever rule fits your taxpayer type.
**Interest is the real cost of slipping.** Under-paying triggers 1% per month under 234B (if you pay under 90% by March) and 234C (for each missed instalment). The calculator flags this so you treat the due dates as hard deadlines, not suggestions.
Quick facts
- Tax year
- FY 2025-26 (AY 2026-27)
- Threshold
- ₹10,000 net tax (after TDS)
- Instalments
- 15% · 45% · 75% · 100%
- Due dates
- 15 Jun / Sep / Dec / Mar
- Special rules
- Presumptive + senior exemption
- Free to use
- No sign-up needed
How It Works
Plan Your Advance Tax in Three Steps
02
Pick your taxpayer type
Choose regular, presumptive (44AD/44ADA), or senior citizen with no business income. This decides whether you pay in four instalments, one, or are exempt.
03
Read your instalment schedule
See the total advance tax, the balance after anything already paid, and the cumulative amount due by each date — 15 June, September, December, and March.
Steps to use the Advance Tax Calculator: Enter your estimated tax and TDS, Pick your taxpayer type, Read your instalment schedule.
The Formula
How Advance Tax Is Calculated
01
Advance tax payable
Advance Tax = Estimated Annual Tax − TDS (if ≥ ₹10,000)
Subtract the TDS for the year from your estimated total tax. If the balance is ₹10,000 or more, it is your advance tax for the year; below that, no advance tax is due.
Example: ₹1,50,000 estimated tax − ₹0 TDS = ₹1,50,000 advance tax
02
Instalment amounts
By 15 Jun 15% · 15 Sep 45% · 15 Dec 75% · 15 Mar 100% (cumulative)
The instalments are cumulative percentages of the total advance tax. By each date you should have paid at least that share. Presumptive taxpayers pay 100% only by 15 March.
Example: ₹1,50,000 advance tax → ₹22,500 by 15 Jun, ₹67,500 by 15 Sep, ₹1,12,500 by 15 Dec, ₹1,50,000 by 15 Mar
03
Interest on shortfall
234B / 234C interest = Shortfall × 1% × months
Section 234C charges 1% per month for missing an instalment target; Section 234B charges 1% per month if under 90% is paid by 31 March. Both are simple interest on the shortfall.
Example: Missing a ₹22,500 instalment for 3 months ≈ ₹675 interest
Worked Example
Step-by-Step Walkthrough (₹1,50,000 estimated tax, no TDS)
Currency note: the example below uses a benchmark scenario priced in Indian Rupee (INR). Values are converted to US Dollar (USD) at the latest exchange rate so you can compare against your own numbers.
Scenario
A freelancer expects $150,000.00 of income tax for the year, with no TDS deducted on their receipts.
1
Step 1 · Advance tax base
With no TDS, the full estimated tax is the advance-tax base: $150,000.00 − ₹0 = $150,000.00. It is well above the ₹10,000 threshold, so advance tax applies.
Advance tax = $150,000.00
2
Step 2 · First instalment (15 Jun)
15% of $150,000.00 is due by 15 June.
By 15 Jun = $22,500.00
3
Step 3 · Mid-year instalments
Cumulative 45% is due by 15 September and 75% by 15 December.
By 15 Sep = $67,500.00 · By 15 Dec = $112,500.00
4
Step 4 · Final instalment (15 Mar)
The full 100% must be paid by 15 March.
By 15 Mar = $150,000.00
The takeaway
On $150,000.00 of tax with no TDS, the freelancer pays $150,000.00 of advance tax across four dates — starting with $22,500.00 by 15 June. Spreading it out this way avoids the 1%-per-month 234B and 234C interest that hits anyone who waits until filing.
Instalment schedule
Advance Tax Instalments by Net Tax (Regular Taxpayer)
| Metric | Poor | Average | Good | Excellent |
|---|---|---|---|---|
₹50,000 net tax Income Tax Act, Section 211 | 15 Jun: ₹7,500 | 15 Sep: ₹22,500 | 15 Dec: ₹37,500 | 15 Mar: ₹50,000 |
₹1,00,000 net tax Income Tax Act, Section 211 | 15 Jun: ₹15,000 | 15 Sep: ₹45,000 | 15 Dec: ₹75,000 | 15 Mar: ₹1,00,000 |
₹2,50,000 net tax Income Tax Act, Section 211 | 15 Jun: ₹37,500 | 15 Sep: ₹1,12,500 | 15 Dec: ₹1,87,500 | 15 Mar: ₹2,50,000 |
₹5,00,000 net tax Income Tax Act, Section 211 | 15 Jun: ₹75,000 | 15 Sep: ₹2,25,000 | 15 Dec: ₹3,75,000 | 15 Mar: ₹5,00,000 |
Comparison
Calcrux vs ClearTax vs Quicko
| Feature | Calcrux (Free) | ClearTax | Quicko |
|---|---|---|---|
| Instalment schedule & due dates | |||
| Advance tax computed after TDS | |||
| 234B / 234C interest estimate | |||
| Presumptive & senior-citizen rules | |||
| Flags when no advance tax is due (< ₹10,000) | |||
| Plain-English insights & mistake warnings | |||
| Free, no sign-up required |
Common Mistakes
Advance Tax Mistakes That Cost Interest
Thinking advance tax is only for businesses
Why it matters
Salaried people assume TDS covers everything. But capital gains, FD interest, rent, or freelance income often have little or no TDS — and the tax on them can easily cross ₹10,000, making advance tax compulsory.
Fix
Add the tax on all your income, subtract TDS, and check the result here. If it is ₹10,000 or more, you owe advance tax even if you are salaried.
Forgetting the ₹10,000 threshold is after TDS
Why it matters
People compare their gross tax to ₹10,000. The threshold applies to the net tax after TDS — so high TDS can keep you below it, while low TDS on side income can push you over.
Fix
Enter your TDS in this calculator. It nets it off first, then tells you whether the ₹10,000 threshold is crossed.
Missing instalment due dates
Why it matters
Paying the whole amount in March feels simpler, but it triggers Section 234C interest at 1% per month for the earlier instalments you skipped — a needless cost.
Fix
Use the schedule here to pay 15% by 15 June, 45% by September, and so on. Set calendar reminders for each date.
Senior citizens with business income assuming exemption
Why it matters
The senior-citizen exemption applies only if you have NO business or professional income. A senior running a business or consulting must still pay advance tax.
Fix
Only choose "senior citizen, no business income" if that truly applies. With any business income, select regular and pay the instalments.
Presumptive taxpayers paying quarterly anyway
Why it matters
Professionals under 44ADA and businesses under 44AD only need to pay once, by 15 March. Paying quarterly ties up cash unnecessarily.
Fix
Select the presumptive taxpayer type — the calculator puts the full amount in the 15 March instalment, where it belongs.
Under-estimating income and facing 234B at filing
Why it matters
If you lowball your income, you pay too little advance tax, and Section 234B charges 1% per month on the shortfall from 1 April until you settle it.
Fix
Re-estimate after any big income event (a bonus, a capital gain, a large invoice) and top up the next instalment so you stay above 90%.
Pro Tips
Stay Ahead of Advance Tax
Estimate income early
Project your full-year income at the start of the year so the first instalment in June is accurate. Revise it whenever a big payment or gain lands.
Pay by each due date
Treat 15 June, September, December, and March as hard deadlines. Paying the cumulative target by each date avoids Section 234C interest entirely.
Hit 90% by March
Even if estimates slip, make sure you have paid at least 90% of the total by 15 March to dodge the separate Section 234B interest.
Pay with Challan 280
Pay online via the e-filing portal using Challan 280 and select "Advance Tax". Keep the receipt — it shows up in your Form 26AS automatically.
Recompute after big income
Sold shares, got a bonus, or raised a large invoice? Re-run this calculator and add the extra tax to your next instalment so you do not fall short.
Who Uses This
Who Uses This Advance Tax Calculator
The Advance Tax Calculator works across every stage of the workflow.
Freelancers and consultants
A freelancer with little TDS on their invoices estimates ₹1,50,000 of tax for the year and uses the schedule to pay ₹22,500 by 15 June and stay penalty-free.
Salaried people with side income
A salaried investor who booked capital gains and earns FD interest checks whether the tax on that extra income, after TDS, crosses ₹10,000 and needs advance tax.
Business owners
A small business owner plans cash flow around the four instalment dates so a large March payment does not strain working capital.
Presumptive professionals (44ADA)
A doctor or architect under 44ADA confirms they only need to pay 100% of advance tax by 15 March, not in quarterly instalments.
Senior citizens
A 65-year-old retiree with pension and interest income checks whether the no-business-income exemption applies so they can pay at filing instead.
Glossary
Key Advance Tax Terms Explained
Every important term you'll encounter in this calculator and the broader topic.
- Advance Tax
- Income tax paid during the year in instalments, rather than as a lump sum at filing. It is required when net tax for the year (after TDS) is ₹10,000 or more.
- Net Tax Liability
- Your estimated income tax for the year, including cess, minus the TDS deducted. This is the base on which advance tax instalments are calculated.
- Instalment
- One of the four scheduled advance-tax payments. The cumulative targets are 15% by 15 June, 45% by 15 September, 75% by 15 December, and 100% by 15 March.
- Section 234B
- Interest of 1% per month charged when less than 90% of the year's tax is paid by 31 March. It runs from 1 April of the assessment year until the balance is paid.
- Section 234C
- Interest of 1% per month for deferring or missing an advance-tax instalment. It applies to the shortfall against each cumulative due-date target.
- Presumptive Taxation
- A simplified scheme (Sections 44AD/44ADA) where income is presumed as a fixed share of turnover or receipts. Such taxpayers pay all advance tax in a single instalment by 15 March.
- Self-Assessment Tax
- Any remaining tax paid at the time of filing the return, after advance tax and TDS. Used when advance tax was not required or fell short.
- Challan 280
- The challan used to pay income tax — including advance tax — online or at a bank. Select "Advance Tax (100)" as the payment type when paying.
Help & answers
Frequently asked questions
Everything you need to know about how the Advance Tax Calculator works.
01What is advance tax?
Advance tax is income tax you pay during the year — as you earn — instead of in one lump sum at the end. Anyone whose tax for the year, after TDS, is ₹10,000 or more must pay it in instalments by fixed due dates, or face interest under Sections 234B and 234C.
02Who has to pay advance tax?
Anyone whose net tax liability for the year (after TDS) is ₹10,000 or more — salaried people with extra income, freelancers, professionals, businesses, and investors. Senior citizens (60+) with no business income are exempt and can pay at the time of filing.
03What are the advance tax due dates for FY 2025-26?
Four instalments: 15% by 15 June, 45% (cumulative) by 15 September, 75% by 15 December, and 100% by 15 March. Presumptive taxpayers under 44AD/44ADA pay the full 100% in a single instalment by 15 March.
04How is advance tax calculated?
Estimate your total income tax for the year (including cess), subtract the TDS that will be deducted, and the balance is your advance tax — if it is ₹10,000 or more. You then pay it in the 15/45/75/100% cumulative instalments. For example, ₹1,50,000 net tax means ₹22,500 by 15 June.
05Do salaried employees need to pay advance tax?
Usually no, because the employer deducts TDS on salary. But if you have extra income your employer does not know about — capital gains, interest, rent, or freelance fees — and the tax on it exceeds ₹10,000 after TDS, you must pay advance tax on that part.
06What is the advance tax threshold?
The threshold is ₹10,000. If your estimated tax for the year, after subtracting TDS, is less than ₹10,000, no advance tax is due — you can simply pay it as self-assessment tax when you file your return.
07How do presumptive taxpayers (44AD/44ADA) pay advance tax?
In a single instalment. Businesses under Section 44AD and professionals under 44ADA pay 100% of their advance tax by 15 March, with no quarterly instalments. Paying the full amount by 15 March satisfies Section 234C.
08What is Section 234B interest?
Section 234B charges 1% simple interest per month when you pay less than 90% of your tax by 31 March. It runs from 1 April of the assessment year until you pay, on the shortfall — so under-estimating your income can be costly.
09What is Section 234C interest?
Section 234C charges 1% per month for missing an advance-tax instalment. If you pay less than the cumulative target (15/45/75/100%) by a due date, interest applies on that shortfall — for 3 months on the first three instalments and 1 month on the 15 March one.
10What happens if I miss an advance tax instalment?
You pay interest. Missing a due date triggers Section 234C interest at 1% per month on the shortfall, and paying under 90% of the total by 31 March adds Section 234B interest. The tax itself does not increase, but the interest does — so pay each instalment on time.
11How do I pay advance tax?
Pay online through the Income Tax e-filing portal or your bank using Challan No. 280, selecting "Advance Tax (100)" as the payment type. Keep the challan receipt — the payment reflects in your Form 26AS and is adjusted against your final tax.
12Is this advance tax calculator free and accurate?
Yes — it is free, needs no sign-up, and runs in your browser. It uses the FY 2025-26 instalment schedule (15/45/75/100%), the ₹10,000 threshold, and the presumptive and senior-citizen rules. For the exact 234B/234C interest, you also need your actual payment dates.
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