TDS Calculator India (2025) – Calculate Tax Deducted at Source Online

📌 Introduction

Tax Deducted at Source (TDS) is one of the most important components of income tax compliance in India. Whether you are a salaried employee, freelancer, contractor, landlord, or investor, chances are that TDS applies to your income.

Many people are confused about how much TDS will be deducted, when it applies, and how to calculate it correctly. To make this easier, we have created a free TDS Calculator (India – 2025) that helps you estimate TDS on salary, professional fees, rent, bank interest, contractor payments, and more in just a few clicks.

This tool ensures accuracy, saves time, and helps you plan better for tax compliance.

⚙️ How the TDS Calculator Works

The TDS Calculator India uses the official Income Tax Act rules for FY 2024-25 and applies different TDS rates depending on the type of income:

1. Salary (Sec 192): TDS is deducted as per the applicable income tax slab rates after considering exemptions and deductions. (Use Income Tax Calculator for detailed breakdown).

2. Bank Interest (Sec 194A): 10% TDS if annual interest > ₹40,000 (₹50,000 for senior citizens).

3. Professional Fees (Sec 194J): 10% TDS if annual payment > ₹30,000.

4. Contractors (Sec 194C): 1% (Individual/HUF) or 2% (others) if annual payment > ₹30,000.

5. Rent (Sec 194I): 10% TDS if annual rent > ₹2,40,000.

6. Dividends (Sec 194): 10% TDS if dividend > ₹5,000.

7. PAN Not Provided: Flat 20% TDS deduction irrespective of thresholds.

The calculator then shows you:

• Applied TDS Rate (%)

• Total TDS Amount Deducted

• Net Payable (after TDS deduction)

FD vs RD Calculator (Fixed Deposit vs Recurring Deposit Returns)

Checkout monthly payout FD calculator – Find out how much you can get from FD every month? 

EPF Calculator India 2025 – Calculate Provident Fund & Interest Online

FIRE Calculator India (2025) – Financial Independence & Early Retirement Corpus Estimator

If you’re looking for a modern, feature-rich, and trader-friendly platform, Dhan is easily one of the best choices available today. From zero account opening charges to advanced tools like native TradingView, options strategy builder, and free API access, Dhan is clearly built with the modern Indian trader in mind.

Whether you’re an intraday trader, an options strategist, or a long-term investor, Dhan offers the perfect blend of speed, simplicity, and smart technology — without burning a hole in your pocket.

Why wait? Open your Dhan account now and take control of your trading journey with confidence.

👉 Click here to get started with Dhan

🧮 Examples of TDS Calculation

Example 1: Professional Fees

• Payment: ₹80,000

• PAN: Yes

• Rule: 10% TDS on fees > ₹30,000
  👉 TDS = ₹8,000, Net Payable = ₹72,000

Example 2: Rent

• Monthly Rent: ₹50,000 (Annual = ₹6,00,000)

• PAN: Yes

• Rule: 10% TDS if annual rent > ₹2,40,000
  👉 TDS = ₹5,000, Net Payable = ₹45,000

Example 3: Bank Interest without PAN

• Interest Earned: ₹60,000

• PAN: No

• Rule: Flat 20% TDS deduction
  👉 TDS = ₹12,000, Net Payable = ₹48,000

💡 Pro Tips for TDS Management

• ✅ Always provide PAN to avoid higher TDS (20%).

• ✅ Check Form 26AS regularly to verify TDS credits.

• ✅ Claim excess TDS refund by filing your ITR on time.

• ✅ Submit Form 15G/15H if your income is below the taxable limit to avoid unnecessary TDS.

• ✅ Plan investments smartly to reduce taxable income and lower TDS liability.

❓ Frequently Asked Questions (FAQs)

Q1. What is TDS?
TDS (Tax Deducted at Source) is income tax collected at the source of income. The payer deducts tax before making a payment and deposits it with the government.

Q2. How can I check if my TDS is deducted?
You can check TDS deductions through Form 26AS or the AIS (Annual Information Statement) on the Income Tax e-filing portal.

Q3. What happens if my income is below the taxable limit but TDS is deducted?
You can claim a refund by filing your Income Tax Return (ITR).

Q4. Can I avoid TDS?
Yes, if your total income is below the taxable limit, submit Form 15G (individuals) or Form 15H (senior citizens) to the payer.

Q5. Is TDS applicable on salary every month?
Yes, employers deduct TDS every month from your salary based on your estimated annual taxable income.

Q6. What if TDS is deducted at a higher rate?
You can adjust it while filing your ITR or claim a refund from the Income Tax Department.

📝 Conclusion

TDS is an integral part of India’s tax system. While it ensures early tax collection, it often leaves individuals confused about their actual take-home amount.

Our TDS Calculator India (2025) simplifies this process by giving you instant and accurate TDS estimates for multiple income types. Use it to stay compliant, avoid surprises, and plan your finances better.

If you’re looking for a modern, feature-rich, and trader-friendly platform, Dhan is easily one of the best choices available today. From zero account opening charges to advanced tools like native TradingView, options strategy builder, and free API access, Dhan is clearly built with the modern Indian trader in mind.

Whether you’re an intraday trader, an options strategist, or a long-term investor, Dhan offers the perfect blend of speed, simplicity, and smart technology — without burning a hole in your pocket.

Why wait? Open your Dhan account now and take control of your trading journey with confidence.

👉 Click here to get started with Dhan

If, you have liked the content please do share it with your friends or on social media, as sharing do bring the good karma. If you have any questions or feedback you can leave them in comment box below.

🌟 4 Best Brokers for Trading in India (2025) – Dhan vs Upstox vs Zerodha vs Fyers

🏆 Best Demat & Trading Account in India (2025) – Dhan vs Upstox vs Zerodha vs Groww

Here is the list of things as a beginner you should know, if you are thinking for doing intraday trading.

A brief understanding of

How share market works?

How To Invest In Indian Stock Market – Explained With Examples For Beginners

Learn about the basics of candlestick chart patterns and how to use them for intraday trading and investing. You should also learn about the best moving averages to use for better trading result.

Checkout Mastering Intraday Trading: A Beginner’s Guide to Profitable Strategies in the Indian Stock Market

Note: Please do your own research and make investment. Moneycontain will not be responsible for any of your losses at all. The point made is for educational purpose only and intended to give information. All investments are subject to risks, which should be considered prior to making any investments.

⚠️ Disclaimer

This TDS Calculator is for educational and estimation purposes only. Actual TDS liability may vary depending on exemptions, deductions, surcharges, and latest government notifications. For precise tax filing, please consult a qualified tax advisor or CA.