Salary TDS Projection Calculator

⚡ In shortYour employer does not wait until March to deduct your tax — it estimates your whole year's liability up front and deducts roughly one-twelfth of it from each month's salary as TDS under section 192. The employer projects your annual salary, subtracts the standard deduction (₹75,000 under the new regime) and any declared deductions, computes the tax on the balance, and then spreads that tax evenly across the remaining months of the financial year. This calculator does the same: from your monthly gross, any expected bonus, the months left in the year and the TDS already deducted, it works out the annual tax under the new regime (AY 2026-27, where income up to ₹12 lakh is effectively tax-free via the §87A rebate), the balance still to be recovered, and the TDS that should come out of each remaining month. If you have been under-deducted so far — for example because you declared investments you did not make — the balance is squeezed into fewer months, which is why a big TDS jump often appears in February and March.

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How it is calculated

The employer projects your annual salary, subtracts the standard deduction (₹75,000 under the new regime) and any declared deductions, computes the tax on the balance, and then spreads that tax evenly across the remaining months of the financial year. This calculator does the same: from your monthly gross, any expected bonus, the months left in the year and the TDS already deducted, it works out the annual tax under the new regime (AY 2026-27, where income up to ₹12 lakh is effectively tax-free via the §87A rebate), the balance still to be recovered, and the TDS that should come out of each remaining month. If you have been under-deducted so far — for example because you declared investments you did not make — the balance is squeezed into fewer months, which is why a big TDS jump often appears in February and March.

Frequently asked questions

Why did my TDS suddenly jump in February?

Usually because the employer recomputed your tax after your proof submission. If you declared investments in April but did not submit proof, the deduction is withdrawn and the shortfall is recovered from the last one or two months' salary.

Can I ask my employer to deduct less TDS?

You can submit accurate investment declarations and proofs, and report any loss from house property, so the projection drops. You cannot simply ask for a lower deduction — section 192 obliges the employer to deduct the correct estimated tax.

Does TDS mean my tax is fully paid?

Not always. TDS only covers the income your employer knows about. If you have interest, capital gains, rent or freelance income, you may still owe advance tax or a balance at filing.

What if too much TDS was deducted?

You claim the excess back as a refund when you file your ITR. Check the TDS credited against you in Form 26AS and the AIS before filing.

Related reading

India Law Simplified is an AI-assisted tool, not a substitute for a licensed CA or advocate. Tax rules and limits change with each Finance Act — verify before relying on any figure.