TDS on Salary
Monthly TDS your employer deducts — both regimes
Tax Regime
When you submit proofs to employer (typically Oct–Jan)
Month-by-Month TDS Schedule
TDS is conservative until proofs are submitted in Jan
Tax Computation Breakdown
Monthly TDS Schedule
TDS Rules & Tips
→ Submit investment proofs by January (month 10) to avoid high TDS in Feb-Mar. Employer adjusts the balance tax across remaining months.
→ If you don't submit proofs, employer deducts TDS conservatively (assuming no deductions). You claim refund via ITR by July 31.
→ Form 16 (Part A + Part B) from employer is your TDS certificate — essential for ITR filing. Download from TRACES portal too.
→ New regime is default from FY 2024-25. To opt for old regime, inform employer at start of financial year (April).
→ Employer cannot take 80CCD(1B) NPS deduction into account for TDS — claim this directly in ITR.
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FAQ
TDS on Salary — FAQ
Common questions about this calculator
Employer estimates your annual tax liability, subtracts advance tax paid, and deducts the balance equally over remaining months. TDS = estimated annual tax ÷ 12.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.