salarysaathi

FY 2026-27 (AY 2027-28)

TDS on Salary Calculator

Estimates the TDS your employer should be deducting each month under Section 192 — the annual tax liability spread across the remaining months of the financial year.

This is an estimate for planning, not a guarantee of your payslip. Actual employer TDS can vary by rounding method, mid-year salary revisions, other income you declare, and Form 12BB timing. It also assumes no previous employer this financial year — if you switched jobs, your new employer factors in Form 12B details from your old one, which this calculator doesn't model.
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Standard deduction is applied automatically — enter your income before that.

New regime is the default since FY 2023-24 — your employer assumes it unless you submit a declaration opting for the old regime.

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Only available under the old regime. Not sure what to enter? Work it out on the HRA exemption calculator first.

Only matters if you joined this employer partway through the financial year — otherwise leave as "Full year."

TDS Estimate

TDS ESTIMATE
Annual tax liability ₹0
Months remaining in FY 12 months

ESTIMATED MONTHLY TDS

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Based on the new regime.

ESTIMATED

Frequently asked questions

How is this different from the regime comparator?

The regime comparator tells you your total annual tax liability under each regime. This calculator takes that same annual figure and spreads it across the remaining months of the financial year — which is what your employer actually does every month under Section 192, and it changes depending on when in the year you joined.

What happens if I don't declare a regime to my employer?

Since FY 2023-24, the new regime is the default. If you don't submit a declaration, your employer deducts TDS assuming the new regime — even if you'd prefer the old one. You can still switch when filing your return, but your monthly take-home during the year follows whatever your employer assumed.

Why might my actual TDS differ from this estimate?

Employers often true up the calculation partway through the year — after a salary revision, a bonus payout, or once you submit Form 12BB with your actual investment proofs — which can shift how much is deducted in the remaining months. Rounding conventions also vary slightly by payroll system.