TDS कैलकुलेटर
TDS Calculator FY 2026-27 — Free Online
TDS कितना कटेगा? FD ब्याज, dividend, professional fees, rent, commission — 9 income types के लिए section + rate + threshold। PAN ke बिना doubled rate की warning।
TDS कितना कटेगा? Income type चुनें (FD ब्याज, dividend, professional fees, rent, commission etc.), amount डालें — exact TDS rate + section + threshold instantly मिलेगा। PAN नहीं तो rate doubled (आम तौर पर 20%)। Final deduction Form 26AS / AIS में दिखती है — actual figures वहाँ verify करें।
🧾 TDS Calculator (FY 2026-27)
कैसे Use करें?
- 1Income type dropdown से choose करें — 9 options
- 2Selected type के नीचे threshold + section reference देखें
- 3Annual amount (₹) field में income amount डालें — yearly total
- 4PAN provide किया है checkbox tick रखें (default)। PAN नहीं तो uncheck
- 5'TDS Calculate करो' button — exact deduction + section + below-threshold case
- 6Result में देखें: TDS amount, effective rate, net in-hand, no-PAN penalty
- 7Section-specific notes section पढ़ें
TDS कैलकुलेटर क्या है?
## TDS Calculator kya hai TDS (Tax Deducted at Source) Calculator एक quick reference tool है जो FY 2026-27 (AY 2027-28) के 9 most-common income types पर TDS rate, threshold, और deduction amount calculate करता है। India में payer (bank, employer, tenant, client) को payment से पहले TDS काटकर government को deposit करना होता है — direct tax collection का ~40%। ## Kaise kaam karta hai Tool 9 income types का internal database use करता है — Section 192 salary, 194A FD interest, 194 dividend, 194J professional fees, 194I/IB rent, 194H commission, 194C contractor, 194BA gaming, 194O e-commerce। Normal rate, no-PAN doubled rate, annual threshold। ## 5 examples **1. FD interest ₹80,000 (regular):** Above ₹50k threshold → 10% TDS = ₹8,000। **2. Same FD ₹80,000 (senior 60+):** Threshold ₹1L → NO TDS। **3. Professional consultancy ₹3 lakh:** 194J 10% = ₹30,000 TDS। **4. Dream11 winning ₹15,000:** 194BA 30% no threshold = ₹4,500। **5. Rent ₹40,000/month under 194IB:** 5% on ₹4.8L = ₹24,000। ## Common mistakes **1. PAN provide नहीं करना:** Doubled rate automatic। **2. Threshold confusion:** Branch-wise yearly। **3. 15G/15H form भूलना।** **4. Form 26AS verify नहीं करना।** **5. Online gaming threshold:** 194BA में कोई threshold नहीं। ## Pro tips Form 26AS + AIS हर 3 महीने income tax portal पर check। PAN-Aadhaar link mandatory। Section 197 lower deduction certificate। Freelancer ₹50k+ professional fees per client पर TDS। ## Modern context — 2026 mein TDS 3 changes: PAN-Aadhaar linking strict। 194BA online gaming TDS 30% no threshold। 194O e-commerce seller TDS 0.1%। TCS on foreign remittance LRS limit ₹7L+ पर 5% TCS।
Formula / तरीका
Tips और सुझाव
- •PAN-Aadhaar link mandatory — unlinked पर doubled TDS automatic
- •Form 26AS + AIS हर quarter check (incometax.gov.in)
- •Senior citizens (60+) FD interest ₹1L तक tax-free — 15H form submit
- •Section 197 lower deduction certificate से TDS reduce
- •Online gaming TDS no threshold — ₹100 winning पर भी ₹30
- •Freelancers + consultants: invoice planning — same-client ₹50k threshold
- •NRI के लिए Section 195 अलग — DTAA treaty के लिए qualified CA
- •ITR file करते समय TDS excess refund + shortfall pay reconcile
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