Rupeemeter

TDS on salary calculator

Check how much tax your employer should deduct each month for the rest of the tax year, after a raise, bonus or RSU vest.

Updated for FY 2026-27 (tax year 2026-27) ·

Basic, allowances, bonus. Exclude employer PF and gratuity.

Tax regime

TDS left is spread over this month and the rest of the year.

Your age

TDS per month from October

Tax for the year ₹1,50,800 · average rate 8.7%

Taxable income₹17,25,000
Tax for the year (incl. cess)₹1,50,800
Already deducted−₹0
Left to deduct over 6 months₹1,50,800

What is TDS on salary?

Tax deducted at source is the income tax your employer takes out of each month’s salary and pays to the government on your behalf. It is an advance against your final tax for the year, which you settle when you file your return.

How to use this calculator

  1. Enter your expected gross salary for the whole year, including any bonus.
  2. Add RSU or ESOP perquisites taxed this year.
  3. Choose your regime; for the old regime, enter your total deductions.
  4. Enter TDS deducted so far (from your payslips) and pick the current month.

How monthly TDS is worked out

TDS per month = (Tax for the year − TDS already deducted) ÷ Months left

Tax for the year uses the same slabs, rebate, surcharge and cess as the income tax calculator.

Worked example

Gross salary ₹18 lakh plus an RSU perquisite of ₹3 lakh, new regime, ₹70,000 already deducted, six months left: tax for the year is ₹2,14,500, so ₹1,44,500 remains, or₹24,083 a month.

Assumptions

  • Your salary estimate for the year is right; employers re-estimate as pay changes.
  • Old regime deductions are entered as one total, within their legal limits.
  • Income from other employers this year is not included unless you add it to gross salary.

Frequently asked questions

How does my employer calculate TDS on salary?

Section 392(1) of the Income-tax Act, 2025 requires TDS at the average rate of tax on your estimated salary for the year. In practice, employers work out the year’s tax and spread what is left over the remaining months.

Why did my TDS jump in the middle of the year?

Usually because your estimated income went up: a pay rise, a bonus, or RSUs vesting. The extra tax for the whole year is then recovered over fewer months.

Which regime does my employer use for TDS?

The new regime is the default. Tell your employer if you want the old regime so they can account for your deductions.

What if too much TDS was deducted?

You get the excess back as a refund after filing your return.