TDS on Salary Calculator (India)
Monthly TDS your employer deducts from salary — based on projected annual tax, split across 12 months. Old or new regime.
Result
- Annual CTC₹1,500,000
- Taxable income (after deductions)₹1,352,940
- Annual income tax (new regime)₹82,941
- 4% cess₹3,318
- Total annual tax₹86,259
- Divided by 12 = monthly TDS₹7,188
- Effective tax rate on CTC5.8%
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How to use this calculator
- Enter your annual CTC.
- Choose tax regime.
- Under old regime, enter 80C, HRA, and 80D deductions.
- Read monthly TDS + annual tax breakdown.
About this tool
Employers in India deduct income tax at source (TDS) from your monthly salary. The monthly TDS = annual income tax ÷ 12 (approximately). Employers compute annual tax based on your declared regime + declared deductions (80C/HRA/80D) at start of FY, then deduct proportionately each month. If you under-declare deductions (or the regime is wrong), TDS gets over-deducted — you recover refund at ITR filing. If you over-declare, employer deducts less than actual tax due — you must pay balance at ITR filing + interest under 234B/234C. Best to declare accurately in January (deduction declaration window).
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