TDS Calculator
TDS amount and threshold for common payments.
Monthly rent for rent options; yearly total for interest, fees, dividends and commission; sale price for property.
Payee has given PAN?
Payee is a senior citizen?
Contractor is
Your result
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Enter your numbers to see the result.
This TDS calculator shows whether tax must be deducted at source on a payment and how much. Choose the type of payment, such as FD interest, rent, a property purchase, professional fees, dividends, commission or a contractor’s bill, enter the amount and whether the payee has given PAN. It applies the current thresholds and rates, including the higher limits introduced from April 2025.
What is a TDS Calculator?
Tax Deducted at Source (TDS) means the person making certain payments deducts a portion as tax before paying, and deposits it with the government in the payee’s name. The payee later claims credit for it in their tax return. TDS applies to salaries, interest, rent, professional fees, property purchases and several other payments.
Each type of payment has its own threshold and rate. Budget 2025 raised several thresholds from 1 April 2025, for example on bank interest, rent and professional fees. A TDS calculator applies the right threshold and rate so you deduct the correct amount, or know what to expect when you are the payee.
How does the TDS Calculator work?
The calculator checks the amount against the threshold for the payment type you chose. If the payment crosses it, TDS is calculated on the full amount at the normal rate.
If the payee has not given PAN, a higher rate applies: generally twice the normal rate or 20%, whichever is higher.
How to use the TDS Calculator step by step
- Choose the type of payment.
- Enter the amount: monthly rent, yearly interest or fees, or the property sale price.
- Say whether the payee has given PAN.
- For FD interest, mark if the payee is a senior citizen.
- For contractors, choose the contractor type and yearly total.
- Read the TDS amount and the net payment.
TDS Calculator example with real numbers
You are a salaried individual paying rent of ₹70,000 a month for your flat. Your landlord has given you their PAN.
| Example input | Value |
|---|---|
| Type of payment | Rent paid by an individual |
| Monthly rent | ₹70,000 |
| Landlord has PAN | Yes |
| Example output | Value |
|---|---|
| TDS on each month's rent | ₹1,400 |
| Threshold | ₹50,000 per month |
| TDS for 12 months of rent | ₹16,800 |
| Normal rate | 2% |
| Rate without PAN | 20% |
| Amount payable after TDS | ₹68,600 |
Because the rent is above ₹50,000 a month, TDS at 2% applies: ₹1,400 for each month’s rent, or ₹16,800 for a full year. Individuals not under tax audit deduct it from the rent for March (or the last month of the tenancy) and deposit it using Form 26QC.
Key features of this TDS Calculator
- Eight common TDS types
- Updated thresholds from April 2025
- Senior citizen threshold for interest
- No-PAN higher rate
- Net payment after TDS
Who should use the TDS Calculator?
Who is this TDS Calculator for?
- Tenants paying high rent
- Home buyers purchasing property worth ₹50 lakh or more
- Businesses paying professionals and contractors
- Depositors checking TDS on FD interest
Practical use cases
- Checking TDS on ₹70,000 monthly rent
- Calculating 1% TDS on a ₹75 lakh flat
- Seeing whether fees to a freelancer cross ₹50,000
- Estimating TDS on FD interest for a senior citizen
Key benefits
- Compliance: deduct the right amount.
- Up to date: new higher thresholds.
- Clear: threshold, rate and net payment together.
- Both sides: useful for payers and payees.
Tips for better results
- Collect the payee’s PAN before making the payment to avoid the higher rate.
- Deposit TDS on time; late deposit attracts interest and fees.
- Payees can submit Form 15G or 15H for interest if their income is below the taxable limit.
- Check Form 26AS or the AIS to confirm TDS credits.
Common mistakes to avoid
- Forgetting TDS on property purchases of ₹50 lakh or more.
- Using the old thresholds from before April 2025.
- Not deducting TDS on high rent paid by individuals.
- Ignoring the no-PAN rate.
Limitations of this TDS Calculator
- It covers common payments to residents only.
- Section numbers change under the Income-tax Act, 2025; familiar 1961 Act numbers are shown.
- Special cases, lower deduction certificates and surcharges for non-residents are not included.
TDS Calculator vs other ways to calculate
| Payment | Threshold | Rate |
|---|---|---|
| FD interest (bank) | ₹50,000 a year (₹1 lakh for seniors) | 10% |
| Rent by business | ₹50,000 a month | 10% (land/building) |
| Rent by individual (no audit) | ₹50,000 a month | 2% |
| Property purchase | ₹50 lakh or more | 1% |
| Professional fees | ₹50,000 a year | 10% |
| Dividend | ₹10,000 a year | 10% |
| Commission | ₹20,000 a year | 2% |
| Contractor | ₹30,000 per bill or ₹1 lakh a year | 1% / 2% |
The Income Tax Department publishes the full TDS rate chart; check it for less common payments. For tax on your own income, use the income tax calculator.
Privacy and data handling
This TDS Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
TDS Calculator FAQs
What is TDS?
Tax Deducted at Source is tax deducted by the payer from certain payments and deposited with the government in the payee’s name.
When is TDS deducted on FD interest?
When interest from a bank in a financial year exceeds ₹50,000, or ₹1,00,000 for senior citizens. The rate is 10% with PAN.
What is TDS on property purchase?
1% of the full sale value if it is ₹50 lakh or more. The buyer deducts it and files Form 26QB.
Do I need to deduct TDS on rent?
Individuals not under tax audit must deduct 2% if rent exceeds ₹50,000 a month. Businesses deduct 10% on land or building rent above ₹50,000 a month.
How do I get a TDS refund?
File your income tax return. If TDS is more than your tax liability, the excess is refunded.
What is the TDS rate without PAN?
Generally twice the normal rate or 20%, whichever is higher.
Related tools
Sources and references
We checked the method and the current figures used in this TDS Calculator against these official and primary sources:
- Income Tax Department of India
- TRACES: TDS Reconciliation Analysis and Correction Enabling System
- CBDT: Central Board of Direct Taxes
Written and reviewed by the Qorico Team
