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    Your calculation will include

    • Applicable TDS section
    • TDS rate for FY 2026–27
    • Total TDS amount
    • Net payable amount
    • Higher-TDS rule if PAN is missing
    • Threshold check for the section

    Deducted TDS must be deposited with the government by the 7th of the next month.

    Built bySaveTaxs tax expertsFY 2026-27 ratesNo data storedReviewed by qualified CAs

    What is TDS?

    TDS or Tax Deducted at Source is a specific amount that is deducted during a payment. For instance, when a tenant pays rent or a business pays professional fees to an individual, they deduct a certain TDS amount before the payment.

    Use Savetaxs free online TDS calculator to know the TDS deduction and net payable amount. It works for both resident and non-resident recipients. To use the TDS calculator, you need to mention the payment type, amount, and details of the recipients. Once you enter the details, the calculator will provide you with information on the TDS deducted and the net payable amount.

    What is the Purpose of TDS?

    TDS was introduced by the Income Tax Act, 1961. The purpose behind it was to ensure early and constant collection of tax throughout the year. Under this, rather than waiting until a taxpayer files their income tax return, the Indian government collects tax during the payment. It further reduces tax evasion and provides the Income Tax Department with real-time visibility into income flows.

    *TDS Rule: During the financial year, if the aggregate payment to the party is more than Rs. 5,000, then 10% TDS applies. However, if the payee does not have a PAN card, the TDS rate is 20%.

    Why is Calculating TDS Important?

    Calculating TDS differently matters depending on which payment side you are:

    • If You are the Payer (Deductor): Deducting the incorrect TDS amount or missing it entirely can result in interest on the shortfall and disallow part of your business expense. Knowing it correctly before the payment helps in avoiding both.
    • If You are the Recipient (Deductee): Knowing about the TDS deduction upfront helps you plan the net amount that you actually receive. It avoids surprises and helps you reconcile TDS credits when you file your income tax return.

    Further, calculating TDS accurately helps ensure compliance with income tax laws and avoid penalties or interest.

    What Payment Types Does the TDS Calculator Cover?

    Savetaxs online TDS calculator automatically applies the correct amount and threshold for each payment type. Considering this, no manual rate lookup is required. It supports:

    • Salary: TDS applies as per the income tax slab.
    • Rent: For building, land, plant, or machinery.
    • Dividend Income: Received from mutual funds and companies.
    • FD and Bank Interest: With separate thresholds for senior citizens.
    • Freelance and Contractual Payments: To individuals, companies, or firms.
    • Professional Fees: For lawyers, doctors, consultants, and similar. 

    Our TDS calculator tool works for both resident and non-resident recipients. Additionally, it automatically handles the PAN availability rule.

    TDS on Payments to Non-Residents

    For non-resident recipients, the TDS rules apply differently from domestic payments. Considering this, rates are generally higher, and the total TDS is calculated by adding a surcharge and a cess on top of the base tax rate.

    Savetaxs TDS calculator automatically applies the right TDS rate, surcharge, and cess for non-resident recipients based on the payment type you choose.

    How to Use the Online TDS Calculator?

    Follow the steps below to calculate your TDS through our online TDS calculator:

    • Step 1: Choose the residential status of the recipient, i.e., resident or non-resident.
    • Step 2: Select the recipient type, whether an individual, HUF, sole proprietor, or others.
    • Step 3: Now choose the payment type. It includes rent, interest, dividend, professional fees, freelance income, and more.
    • Step 4: Mention the payment amount.
    • Step 5: Instantly know the applicable TDS rate, TDS amount, and net amount payable.

    *Note: If the recipient does not have a PAN card, enable the "Recipient's PAN not available" option. In such scenarios, as stated under the Income Tax Act, the TDS is deducted at higher rates.

    How is TDS Calculated?

    TDS calculation depends on several factors such as:

    • Nature of payment
    • Recipient type
    • Residential status (resident or non-resident)
    • Applicable threshold limit
    • PAN card availability

    TDS Formula

    TDS Amount = Payment Amount x Applicable TDS Rate

    Example

    Suppose you paid INR 2,00,000 in professional fees to an individual consultant who is an Indian resident and has a PAN card.

    Details to Calculate TDS

    • Payment Amount = INR 2,00,000
    • Threshold Limit = INR 50,000
    • Applicable TDS Rate = 10%

    TDS Calculation

    • Deducted TDS Amount: INR 2,00,000 x 10% = INR 20,000
    • Net Payable Amount: INR 2,00,000 - INR 20,000 = INR 1,80,000

    Result

    • TDS Deducted: INR 20,000
    • Net Amount Paid: INR 1,80,000

    Frequently Asked Questions

    No matter what your source of income is, we've got you covered. There's a plan for everybody!

    TDS stands for Tax Deducted at Source. Under this, tax is deducted from income such as rent, salary, dividends, or interest before making the payment. The deducted tax is directly deposited to the government and can be claimed as a credit if excess TDS is deducted while filing the ITR. 

    To calculate TDS on a payment, identify the payment type, applicable TDS rate, and threshold limit. If the payment is more than the threshold (INR 50,000), apply the TDS rate on the full payment amount. For instance, if you paid professional fees of INR 2,00,000 to a person, deduct 10% TDS, i.e., INR 20,000. Now the net payable amount to the recipient is INR 1,80,000. Savetaxs TDS calculator does all these calculations automatically for all payment types. 

    Yes, in most cases, PAN is mandatory. Considering this, if the recipient does not provide their valid PAN card, TDS is deducted at 20% or the applicable rate- whichever is more. This rule applies to all regardless of the type of payment. 

    Yes, TDS is applicable on freelance or professional payments if it is more than INR 50,000 in a financial year. This threshold is applicable to payments for professional services such as fees paid to lawyers, consultants, doctors, and similar professionals. 

    It depends on who is paying the rent. If you are a company or business, TDS applies when your monthly rent is more than INR 50,000. However, if you are an individual or HUF not covered by tax audit, 2% TDS applies on more than INR 50,000 rent per month. The threshold and rate differ on the entity type. Use our TDS calculator to know the correct TDS amount as per your situation.

    The due date for depositing TDS is the 7th of the following month. For TDS deducted in March, the due date is April 30th. For government deductors depositing TDS via challan, the due date is the 7th of the following month without the March exception. 

    Yes, you can get a refund if excess TDS is deducted. You can claim the refund by filing your income tax return. The excess TDS appears as a credit in your Form 26AS or AIS. Further, the Income Tax Department refunds any amount more than your actual tax obligation.

    You can reduce or avoid TDS deduction by submitting a declaration in Form 121 if your total income is less than the taxable limit. Alternatively, you can also apply for a lower or nil TDS certificate in Form 128 on the TRACE Portal if your stated tax liability justifies it. 

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