Salary TDS is your employer's estimate of your annual liability, spread across twelve months. Getting the declaration right early avoids a painful correction in February and March.
Annual income tax with standard deduction + cess. Resident individual under 60.
Note. Slabs, surcharge and cess change with each Budget. This estimator reflects the rates configured on the page — always confirm against the current Finance Act before relying on it for filing.
Runs entirely in your browser. Nothing you type is sent anywhere or stored.
Start from gross salary and remove exempt allowances where the regime permits.
Apply the standard deduction available to salaried taxpayers.
Deduct eligible investments and payments — only under the old regime.
Apply the slab rates for the chosen regime, add cess, then divide across the remaining months.
Employers typically recompute TDS every month as declarations and actual payments change, which is why the deduction is rarely identical across all twelve months.
Almost always because declared investments were not backed by proofs, so the employer reversed them and recovered the shortfall across the remaining months.
Your employer may allow one change during the year for TDS purposes. The final choice is made when you file your return, subject to the rules for business income.
Garuda HR looks after payroll, attendance, leave and statutory compliance for Indian teams — the same arithmetic, run for you every month, with a full audit trail. We would be glad to show you around.