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TDS on Salary Calculator
See the monthly TDS your employer cuts from your salary.
Updated Reviewed by Sajid Hussain· Editor
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TDS on Salary bills sellers in Indian Rupee (INR), so this calculator works in INR — not your selected US Dollar ($). Every figure below matches your real TDS on Salary statement. Localised USD marketplaces are coming soon.
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June 14, 2026
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India Tax Tool
What Is a TDS on Salary Calculator?
A TDS on salary calculator shows how much tax your employer deducts from your pay each month under Section 192 — and what lands in your account after it.
**It answers the payslip question.** Your employer estimates the income tax on your annual salary and deducts it monthly. This tool computes that annual tax and divides it by the months left to give your monthly TDS — the figure on your payslip.
**It uses the real tax engine.** The annual tax comes from the same slabs, standard deduction, ₹87A rebate, surcharge and cess as our income tax calculator — so the TDS here matches your actual liability, not a rough guess.
**It handles mid-year joins and prior TDS.** If only part of the year is left, the balance tax — after any TDS already deducted — is recovered over the months remaining. Enter what was cut earlier and the calculator spreads only what is left, exactly as a new employer does via Form 12B.
**It compares both regimes.** Switch between the new and old regimes to see which gives a lower TDS for your salary and deductions — the new regime wins for most, but heavy 80C/HRA users may pay less on the old.
Quick facts
- Section
- 192 (salary TDS)
- Basis
- Annual tax ÷ months left
- Regimes
- New & old
- Includes
- Rebate, surcharge, 4% cess
- Nil TDS up to (new)
- ≈ ₹12.75 lakh
- Free to use
- No sign-up needed
How It Works
Calculate Your Monthly TDS in Three Steps
02
Add deductions (old regime)
On the old regime, declare 80C, 80D and NPS. Set how many months of the year are left.
03
See the monthly TDS
See the monthly TDS, your in-hand salary after it, and the annual tax behind it.
Steps to use the TDS on Salary Calculator: Enter your salary, Add deductions (old regime), See the monthly TDS.
The Formula
How TDS on Salary Is Worked Out
01
Annual tax
Tax on (salary − deductions), with rebate & cess
The employer computes the income tax on your taxable salary using the slabs, applies the ₹87A rebate and surcharge where due, and adds 4% cess.
Example: ₹15L (new) → ₹97,500 a year
02
Monthly TDS
Monthly TDS = (annual tax − TDS already cut) ÷ months left
Only the balance tax is spread across the months left in the year. With nothing deducted yet, that is simply the annual tax divided by 12; mid-year, the employer recovers just what is left.
Example: ₹97,500 ÷ 12 = ₹8,125 a month
03
In-hand
In-hand = monthly salary − monthly TDS
Your monthly take-home is the gross monthly salary minus the TDS. Other payslip deductions (PF, professional tax) reduce it further.
Example: ₹1,25,000 − ₹8,125 = ₹1,16,875
Worked Example
Step-by-Step Walkthrough (₹15 lakh, new regime)
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 salaried employee earning $1,500,000.00 a year, on the new regime, with 12 months left.
1
Step 1 · Taxable income
The ₹75,000 standard deduction comes off the salary.
Taxable = $1,425,000.00
2
Step 2 · Annual tax
The slabs, rebate and 4% cess give the year's tax.
Annual tax = $97,500.00
3
Step 3 · Monthly TDS
The year's tax is spread over the 12 months left.
Monthly TDS = $8,125.00
The takeaway
On a $1,500,000.00 salary under the new regime, the employer deducts $8,125.00 a month as TDS — $97,500.00 for the year — leaving $116,875.00 a month before PF and professional tax. Declaring deductions (on the old regime) or choosing the right regime is what changes this figure.
By salary
Monthly TDS by Salary (new regime, full year)
| Metric | Poor | Average | Good | Excellent |
|---|---|---|---|---|
Monthly TDS Calcrux · new regime, FY 2025-26 | ₹10L → ₹0 | ₹15L → ₹8,125 | ₹20L → ₹16,033 | ₹30L → ₹39,650 |
Annual tax Calcrux · incl. cess | ₹0 | ₹97,500 | ₹1,92,400 | ₹4,75,800 |
Effective rate Calcrux · tax ÷ salary | 0% | 6.5% | 9.6% | 15.9% |
Comparison
Calcrux vs Payroll vs Generic Calculators
| Feature | Calcrux (Free) | Payroll tool | Generic |
|---|---|---|---|
| Monthly TDS under Section 192 | |||
| New & old regime side by side | |||
| Mid-year balance (TDS already cut) | |||
| In-hand salary after TDS | |||
| Same engine as income tax tool | |||
| Free, no sign-up required |
Common Mistakes
TDS on Salary Mistakes to Avoid
Declaring investment proofs late
Why it matters
If you submit 80C/80D proofs late, the employer cuts TDS on the full salary for months, and you wait for a refund.
Fix
Declare your planned deductions at the start of the year so TDS is computed on a lower income from month one.
Picking the wrong regime
Why it matters
Staying on the old regime without enough deductions, or vice versa, leads to higher TDS than necessary.
Fix
Compare both regimes here (and in the income tax calculator) and tell your employer the one that suits you.
Ignoring other income
Why it matters
TDS covers only salary. Interest, capital gains or freelance income can leave a tax gap the employer never deducts.
Fix
Add other income in the income tax calculator and pay advance tax if needed to avoid interest.
Ignoring TDS a previous employer already cut
Why it matters
A mid-year switch means tax was already deducted earlier. Counting the full annual tax again over the months left overstates the monthly TDS.
Fix
Enter the TDS already deducted (and months left); the calculator spreads only the balance, as your employer does via Form 12B.
Confusing CTC with taxable salary
Why it matters
Using full CTC (including employer PF and gratuity) overstates the salary and the TDS.
Fix
Use the taxable salary — gross pay excluding the employer's PF and gratuity contributions.
Pro Tips
Manage Your Salary TDS
Declare deductions in April
Submitting your investment plan at the start of the year spreads TDS evenly and avoids a year-end spike.
Choose the regime deliberately
Tell payroll your regime. With large 80C/HRA, the old regime can cut TDS; otherwise the new regime usually wins.
Submit Form 12BB on time
Form 12BB is how you declare deductions to your employer. Filing it early lowers the TDS legitimately.
Track TDS against Form 26AS
Check that the TDS deducted appears in your Form 26AS / AIS, so you get full credit when you file.
Plan for non-salary income
If you have interest or capital gains, the salary TDS won't cover it — set aside advance tax to avoid a shock.
Who Uses This
Who Uses This TDS on Salary Calculator
The TDS on Salary Calculator works across every stage of the workflow.
Salaried employees
An employee checks why a certain amount is deducted on the payslip and what their in-hand will be.
New joiners
Someone starting a job mid-year sees the higher monthly TDS over the remaining months.
Regime decision-makers
An employee compares the monthly TDS under the old and new regimes before telling payroll.
People planning deductions
A taxpayer tests how declaring 80C and 80D lowers the monthly TDS on the old regime.
HR and payroll teams
A small-business HR estimates the TDS to deduct for an employee's declared salary and regime.
Glossary
Key TDS on Salary Terms
Every important term you'll encounter in this calculator and the broader topic.
- TDS (Tax Deducted at Source)
- Tax your employer withholds from salary each month and deposits with the government on your behalf.
- Section 192
- The provision requiring employers to deduct tax at source from salary, based on the estimated annual tax.
- Standard Deduction
- A flat deduction from salary — ₹75,000 under the new regime, ₹50,000 under the old — before tax is computed.
- 87A Rebate
- A rebate that makes tax nil up to a taxable income of ₹12 lakh (new regime) or ₹5 lakh (old), so no TDS applies below it.
- Form 12BB
- The statement employees file with their employer to declare deductions and exemptions, which lowers the TDS.
- Form 12B
- The form a mid-year joiner gives a new employer to report previous salary and TDS, so only the balance tax is deducted for the rest of the year.
- Form 16
- The annual TDS certificate your employer issues, summarising salary paid and tax deducted under Section 192.
Help & answers
Frequently asked questions
Everything you need to know about how the TDS on Salary Calculator works.
01What is a TDS on salary calculator?
A TDS on salary calculator shows how much tax your employer deducts each month from your pay under Section 192. It works out the annual tax on your salary, then divides it across the months left in the year to give the monthly TDS.
02How is TDS on salary calculated?
The employer estimates your annual income tax on the salary (after the standard deduction and any declared deductions), then deducts it in equal monthly instalments. Monthly TDS = annual tax ÷ months remaining in the financial year.
03How much TDS is deducted on a ₹15 lakh salary?
Under the new regime, ₹15 lakh has a taxable income of ₹14.25 lakh, an annual tax of about ₹97,500, and a monthly TDS of around ₹8,125 over a full year. The old regime depends on your deductions.
04Is TDS deducted under the new or old regime?
Your employer deducts TDS based on the regime you choose. If you do not pick one, the new regime applies by default. The old regime usually means lower TDS only if your deductions (80C, 80D, HRA) are large.
05At what salary does TDS start?
TDS starts once your tax is more than zero. Under the new regime, a salary up to about ₹12.75 lakh has nil tax after the ₹75,000 standard deduction and the ₹87A rebate, so no TDS is deducted below that.
06Why is my monthly TDS higher some months?
If you join mid-year or declare investments late, the employer recovers the year's remaining tax over fewer months, raising the monthly TDS. Declaring your deductions early and at the start of the year keeps the monthly cut steady.
07How is TDS calculated if I join a job mid-year?
Monthly TDS = (annual tax − TDS already deducted) ÷ months left. Only the balance tax is spread over the remaining months. Enter the TDS already cut and the months left, and the calculator shows the true monthly figure.
08How do I account for TDS my previous employer deducted?
Give your new employer Form 12B with your earlier salary and TDS. They consolidate it and deduct only the balance tax for the rest of the year. Enter that amount in the "TDS already deducted" field for an accurate monthly figure.
09Can I reduce the TDS on my salary?
Yes, under the old regime — declare your 80C, 80D, HRA and home-loan proofs to your employer early. The TDS is then computed on a lower taxable income. Under the new regime, only the standard deduction applies.
10What is Section 192?
Section 192 of the Income Tax Act requires employers to deduct tax at source from salary each month, based on the estimated annual tax. It is the legal basis for the TDS shown on your payslip and Form 16.
11What if too much TDS is deducted?
If your TDS exceeds your actual tax — for example because you declared investments late — you claim the excess back as a refund when you file your return. Declaring proofs on time avoids the wait.
12Does the calculator include cess?
Yes. The annual tax includes the 4% health & education cess, and the ₹87A rebate and surcharge where they apply. It does not model HRA exemption or perquisites — add those in the full income tax calculator.
13Is TDS on salary the same as my total tax?
For most salaried people with only salary income, yes — the TDS equals the annual tax. If you have other income (interest, capital gains, freelance), you may owe more and need to pay advance tax on top.
14Is this TDS on salary calculator free and accurate?
Yes — it is free and uses the FY 2025-26 slabs, standard deduction, ₹87A rebate and cess, sharing the same tax engine as our income tax calculator. For HRA, perquisites or multiple incomes, treat it as a close estimate.
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