Estimate monthly TDS and take-home salary for FY 2025-26
Annual Income: ₹0
New regime: standard deduction of ₹75,000 applies. Section 80C, 80D, HRA, and most other deductions are not available.
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Total TDS/Year
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Net Annual Salary
Estimates how much tax your employer would deduct each month under section 192. It annualises your gross salary, applies standard deduction and any deductions you enter, works out income tax with cess, and spreads the total evenly across 12 months.
Annual income = monthly gross × 12. Taxable income subtracts standard deduction (₹75,000 new / ₹50,000 old) and 80C or other deductions in the old regime. Monthly TDS = annual tax ÷ 12.
Example at ₹1 lakh/month: new regime → no TDS after rebate on ₹12 lakh gross. Old regime with ₹1.5 lakh under 80C → about ₹9,750 TDS/month, take-home about ₹90,250.
Your employer deducts TDS based on the regime you pick at the start of the year. New regime has fewer deductions but a higher rebate band. Old regime lets you declare 80C, HRA, and 80D — which lowers taxable income and monthly TDS if you actually invest or claim those amounts.
Professional tax, employee PF, and other payroll deductions are not part of TDS. Surcharge on very high incomes is not applied here. Bonus, arrears, or mid-year hikes are averaged simply as 12 × monthly gross — your employer's payroll may compute differently.
Submit investment proofs to HR before the deadline so TDS is not deducted on money you put into PPF, ELSS, or insurance. At year-end you get Form 16 showing total TDS paid. File your return to reconcile — you may owe more tax or get a refund if excess was deducted.
Compare with your payslip or Form 16. Employers use their own payroll software and may round monthly TDS differently. If you have income beyond salary — rent, capital gains, freelance — that changes your actual liability even if salary TDS stays the same.
Disclaimer: Figures are estimates for salary TDS only. Actual deduction depends on your employer's payroll and full tax return.
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