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TDS Calculator

TDS Calculator — FY 2025-26

TDS Rate

TDS Amount

Net Amount After TDS

Section

TDS Rates Reference Table (FY 2025-26)

SectionPayment TypeRate (with PAN)Rate (no PAN)
192SalaryAs per slab20%
194JProfessional/Technical fees10%20%
194IRent — Land/Building10%20%
194IRent — Plant & Machinery2%20%
194HCommission/Brokerage5%20%
194AInterest10%20%
194CContractor — Individual1%20%
194CContractor — Company2%20%
194Dividend10%20%
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Introduction

TDS (Tax Deducted at Source) is a mechanism where the payer deducts tax before making payment to the recipient. It ensures tax collection at the source of income, covering salary, rent, professional fees, interest, and contractor payments across India.

Numverto TDS Calculator helps you instantly calculate the correct TDS amount for any payment type. Select the section, enter the amount, and get the exact deduction — with or without PAN.

TDS Calculation

TDS = Payment Amount × Applicable Rate. If PAN is not provided, Section 206AA applies and rate is 20% or twice the normal rate, whichever is higher.

Step-by-Step Examples

Professional fees ₹50,000 (Section 194J)

TDS = ₹50,000 × 10% = ₹5,000. Net payment = ₹45,000.

Rent ₹1,00,000/month (Section 194I)

TDS = ₹1,00,000 × 10% = ₹10,000. Net rent paid = ₹90,000.

Real-Life Applications

  • Salary TDS calculation for HR and payroll teams
  • Contractor payment TDS under Section 194C
  • Rent payment TDS deduction planning
  • Professional fee payments to consultants and freelancers
  • Interest payment TDS compliance for businesses

Advantages of Using This TDS Calculator

  • Covers all major TDS sections (192, 194A, 194C, 194H, 194I, 194J)
  • PAN/No-PAN rate toggle (Section 206AA)
  • Shows applicable section reference
  • Net payment calculation after TDS
  • Indian rupee formatting

Common Mistakes to Avoid

  • Not deducting TDS when payment crosses threshold limit
  • Using wrong section for the payment type
  • Not applying higher 20% rate when PAN is missing
  • Missing TDS on advance payments or part payments
  • Not depositing TDS by 7th of following month

Learn More

Frequently Asked Questions

What is TDS and who pays it?

TDS (Tax Deducted at Source) is deducted by the payer before making payment to the recipient. The payer deposits it with the government. The recipient gets credit for TDS in their ITR.

When is TDS not applicable?

TDS is not deducted if the payment is below the threshold limit for that section, or if the recipient has submitted Form 15G/15H (for interest/dividend for low-income individuals).

What happens if TDS is not deducted?

The payer becomes liable to pay interest at 1% per month for delay in deduction and 1.5% per month for delay in deposit. Disallowance of expense under Section 40(a)(ia) may also apply.

How to check TDS deducted on Form 26AS?

Log in to the Income Tax e-filing portal (incometax.gov.in), go to e-File → Income Tax Returns → View Form 26AS. It shows all TDS deducted against your PAN.

Can TDS be refunded?

Yes. If total TDS deducted exceeds your actual tax liability, the excess is refunded after you file your ITR. The refund is processed by the Income Tax Department.

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