TDS on Salary Calculator
Tax your employer deducts from salary each month, Tax Year 2026-27.
Inputs
This calculator assumes India's new tax regime. Old-regime-only deductions and exemptions — 80C, 80D, HRA exemption, home loan interest, and similar — don't apply here and won't reduce the number shown.
- Take-home₹12,00,000(100%)
- TDS₹0(0%)
- Taxable income (after ₹75,000 standard deduction)
- ₹11,25,000
- Monthly TDS
- ₹0
- Effective tax rate
- 0.00%
- Gross income
- ₹12,00,000
- Tax Year 2026-27, new regime: ₹75,000 standard deduction, slab rates, the rebate with marginal relief, surcharge above ₹50 lakh, then 4% health and education cess — the same figure your employer spreads across the year's salary payments.
- Actual TDS depends on what you declare to your employer and is reconciled against Form 16 when you file.
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What each TDS on Salary input means
- Annual salary
- Your gross salary for the year as your employer will report it on Form 16: basic, allowances, bonus and any taxable perquisites, before PF and tax come out.
- Other income
- Income you choose to declare to your employer so it is taxed through TDS rather than paid separately, such as savings or fixed-deposit interest. Leave it at zero to see TDS on salary alone.
- Other deductions (employer NPS 80CCD(2), if any)
- Deductions the new regime still allows besides the standard deduction, chiefly your employer's contribution to your NPS account, up to 14% of basic plus DA. Your own 80C investments, health insurance and home-loan interest don't count under this regime.
TDS on Salary formula
Annual TDS = new-regime tax (with rebate, surcharge and 4% cess) on salary + other income − ₹75,000 − allowed deductions; monthly TDS = annual ÷ 12
Your employer works out the tax on your estimated income for the whole year and spreads it across your salary payments. Taxable income is your salary plus any other income you declare, less the automatic ₹75,000 standard deduction and the few deductions the new regime allows, mainly your employer's contribution to your NPS account. The tax is then the same new-regime calculation as on the income tax page: slabs, the rebate up to ₹12 lakh with marginal relief, surcharge above ₹50 lakh, and 4% cess. Divided by twelve, that is the TDS a month. Employers revise it during the year as your pay, your declarations and any bonus change, which is why later payslips can differ from earlier ones.
TDS on Salary worked example
On a ₹12,00,000 salary with no other income or deductions, the ₹75,000 standard deduction brings taxable income to ₹11,25,000, under the ₹12 lakh rebate limit, so no tax is due and nothing should be deducted. Add ₹1,00,000 of other income and a ₹50,000 employer NPS contribution to a ₹16,00,000 salary instead and taxable income is ₹15,75,000: slab tax of ₹1,16,250 plus ₹4,650 cess, ₹1,20,900 for the year or ₹10,075 a month.
More TDS on Salary examples
On a ₹25,00,000 salary, taxable income is ₹24,25,000. The slabs give ₹3,00,000 on the first ₹24 lakh and 30% of the last ₹25,000, ₹7,500, so ₹3,07,500; cess adds ₹12,300. The year's TDS is ₹3,19,800, or ₹26,650 a month.
A ₹14,00,000 salary with ₹1,00,000 paid by the employer into NPS leaves ₹12,25,000 taxable, just over the rebate limit. The slabs would give ₹63,750, but marginal relief caps the tax at the ₹25,000 by which income exceeds ₹12 lakh; with cess the year's TDS is ₹26,000, about ₹2,167 a month.
Where the TDS on Salary calculator can give the wrong answer
- Salary up to ₹12,75,000 with no other income owes no tax, so no TDS should be deducted. Just above the limit marginal relief applies: ₹12,10,000 taxable owes ₹10,000 plus ₹400 cess for the year, not the ₹61,500 the slabs alone would give.
- Under the new regime only employer NPS contributions reduce taxable salary; 80C, 80D, HRA and home-loan interest are old-regime deductions and don't lower this figure.
- TDS is an estimate made in advance. A bonus, a pay rise or a change of job mid-year changes the year's tax, and the employer catches up in later months, so monthly TDS is rarely the same all year.
- If you change jobs, each employer deducts TDS as if it were your only one unless you tell the new employer about earlier salary; the shortfall then shows up when you file.
- This is the new regime. If you tell your employer you are choosing the old regime, TDS is worked out with its slabs and deductions instead.
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TDS on Salary reference table
| Annual salary | Taxable income | Tax for the year, with cess | TDS a month |
|---|---|---|---|
| ₹10,00,000 | ₹9,25,000 | ₹0 | ₹0 |
| ₹12,75,000 | ₹12,00,000 | ₹0 | ₹0 |
| ₹15,00,000 | ₹14,25,000 | ₹97,500 | ₹8,125 |
| ₹20,00,000 | ₹19,25,000 | ₹1,92,400 | ₹16,033 |
| ₹25,00,000 | ₹24,25,000 | ₹3,19,800 | ₹26,650 |
| ₹30,00,000 | ₹29,25,000 | ₹4,75,800 | ₹39,650 |
| ₹50,00,000 | ₹49,25,000 | ₹10,99,800 | ₹91,650 |
TDS on Salary FAQ
- Employers estimate the whole year's income, including expected bonuses, and adjust TDS month by month as pay and your declarations change. Mid-year pay rises, a bonus, or switching regimes all move the monthly figure away from a simple twelfth of the annual tax.
- Only those the new regime allows beyond the automatic ₹75,000 standard deduction, mainly your employer's NPS contribution, up to 14% of basic plus DA. Your own 80C investments, health insurance premiums and home-loan interest are old-regime deductions and don't reduce TDS here.
- Yes. TDS covers the whole year's liability, including the 4% health and education cess, so the figures here include it.
- Up to ₹12,75,000 of salary, yes: the standard deduction and the rebate bring the tax to nil. Above that, tax is due and TDS should start; ask your payroll team if it hasn't.
- Yes. If more tax was deducted than you owe for the year, you claim the difference as a refund when you file your income tax return.