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    Home › Free tools › TDS
    Free tool

    TDS Calculator

    Monthly TDS on salary — across the old & new tax regimes, FY 2026-27.

    Your income

    Annual figures. Under the old regime, add your exemptions and deductions below.

    ₹

    Your tax

    Monthly TDS—
    • Standard deduction —
    • Taxable income —
    • Income tax (after §87A) —
    • Health & education cess (4%) —
    • Total annual tax —
    • Monthly TDS —

    Estimate for a resident individual below 60, FY 2026-27. New regime: ₹75,000 standard deduction, §87A rebate making tax nil up to ₹12,00,000 taxable. Old regime: ₹50,000 standard deduction plus your exemptions/deductions, §87A rebate up to ₹5,00,000. Surcharge applies above ₹50L taxable; 4% cess on tax + surcharge. Marginal relief is not modelled.

    How it works

    Old regime vs new regime

    TDS (Tax Deducted at Source) on salary is your annual income tax, spread across twelve months. The new regime is the default: lower slab rates and a large rebate, but almost no exemptions or deductions. The old regime has higher rates but lets you claim HRA, 80C investments, 80D health premiums and more. Which is cheaper depends on how much you can deduct — compare both with the toggle above.

    FAQ

    TDS questions, answered

    At what income does TDS start under the new regime?
    Under the new regime for FY 2026-27, the §87A rebate makes tax nil for taxable income up to ₹12,00,000. With the ₹75,000 standard deduction, a salaried person earning up to about ₹12.75 lakh pays no tax.
    Which regime should I choose?
    If you have significant deductions — home loan interest, large 80C/80D, HRA — the old regime can work out cheaper. If you claim little, the new regime is usually better. Run both above and compare the annual tax.
    What deductions can I claim under the old regime?
    The old regime lets you claim 80C investments up to ₹1,50,000 (PF, ELSS, life insurance, PPF and more), 80D for health-insurance premiums, home-loan interest under §24(b) up to ₹2,00,000, and HRA exemption if you pay rent. The new regime allows almost none of these, so heavy deductions can tip the balance towards the old regime.
    When does surcharge apply?
    A surcharge is added on high incomes — it kicks in once taxable income crosses ₹50 lakh, with higher rates above ₹1 crore and ₹2 crore. It applies on top of the income tax, and the 4% cess is then charged on the tax plus surcharge.
    What is the 4% cess?
    A Health and Education Cess of 4% is added on top of your income tax (after rebate) under both regimes. This tool includes it in the total annual tax.
    Is this my exact TDS?
    It’s a close estimate for a resident individual under 60. Actual TDS varies with age, surcharge on high incomes, marginal relief, perquisites and proofs submitted to your employer. Kredily recomputes it precisely each month from your declarations.
    Does Kredily handle TDS and Form 16?
    Yes. Kredily deducts the right TDS each cycle — free for unlimited employees on the Free Forever plan. Form 24Q filing support and Form 16 generation for every employee are included from the Payroll OS plan (₹1,249/mo).

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