TDS Calculator 2025 - Salary Tax Calculator India | FY 2024-25
Free TDS Calculator for AY 2025-26. Calculate Tax Deducted at Source on salary with new & old tax regime. Instant calculation with all deductions under Section 80C, 80D, HRA & more.
India's Most Comprehensive TDS Calculator for FY 2024-25
Calculate TDS on salary instantly with our free online salary tax calculator. Compare between old tax regime and new tax regime to optimize your tax savings. Our TDS calculator 2025 includes all deductions, exemptions, and the latest tax slabs for Assessment Year 2025-26.
Salary Details
Tax Deductions (Old Regime)
Section 80C Deductions (Max ₹1,50,000)
Other Deductions
TDS Calculation Results
Income Breakdown
Tax Calculation
Monthly Calculations
Tax Regime Comparison
Complete Guide to TDS Calculator 2025
What is TDS on Salary?
TDS (Tax Deducted at Source) is the income tax deducted from your salary by your employer and deposited to the government on your behalf. Our TDS calculator or salary tax calculator helps you calculate the exact TDS amount based on your salary structure and tax-saving investments for FY 2024-25 (AY 2025-26).
Income Tax Slabs FY 2024-25 - New Tax Regime (Default)
| Income Range | Tax Rate | Tax Amount |
|---|---|---|
| Up to ₹3,00,000 | 0% | Nil |
| ₹3,00,001 - ₹7,00,000 | 5% | 5% of income above ₹3,00,000 |
| ₹7,00,001 - ₹10,00,000 | 10% | ₹20,000 + 10% of income above ₹7,00,000 |
| ₹10,00,001 - ₹12,00,000 | 15% | ₹50,000 + 15% of income above ₹10,00,000 |
| ₹12,00,001 - ₹15,00,000 | 20% | ₹80,000 + 20% of income above ₹12,00,000 |
| Above ₹15,00,000 | 30% | ₹1,40,000 + 30% of income above ₹15,00,000 |
* Standard deduction of ₹75,000 available in new regime (increased from ₹50,000)
Income Tax Slabs FY 2024-25 - Old Tax Regime
| Income Range | Tax Rate | Tax Amount |
|---|---|---|
| Up to ₹2,50,000 | 0% | Nil |
| ₹2,50,001 - ₹5,00,000 | 5% | 5% of income above ₹2,50,000 |
| ₹5,00,001 - ₹10,00,000 | 20% | ₹12,500 + 20% of income above ₹5,00,000 |
| Above ₹10,00,000 | 30% | ₹1,12,500 + 30% of income above ₹10,00,000 |
* Standard deduction of ₹50,000 + various deductions under 80C, 80D, etc. available
How to Calculate TDS on Salary - Step by Step
- Calculate Gross Salary: Basic + DA + HRA + Special Allowances + Other Perquisites
- Calculate Exemptions: HRA exemption, LTA exemption, Standard deduction
- Arrive at Net Salary: Gross Salary - Exemptions
- Apply Deductions (Old Regime): Section 80C (max ₹1.5L), 80D, 80E, etc.
- Calculate Taxable Income: Net Salary - Deductions
- Apply Tax Slabs: Based on chosen regime (Old vs New)
- Add Cess: 4% on total tax
- Monthly TDS: Annual tax ÷ 12
TDS Calculation Example for ₹900K Salary (New Regime)
| Gross Annual Salary | ₹9,00,000 |
| Less: Standard Deduction | ₹75,000 |
| Taxable Income | ₹8,25,000 |
| Tax Calculation: | |
| 0-3L @ 0% | ₹0 |
| 3L-7L @ 5% | ₹20,000 |
| 7L-8.25L @ 10% | ₹12,500 |
| Total Tax | ₹32,500 |
| Add: Cess @ 4% | ₹1,300 |
| Annual TDS | ₹33,800 |
| Monthly TDS | ₹2,817 |
Key Tax-Saving Deductions (Old Regime)
Section 80C (₹1.5 Lakh)
- EPF/PPF contribution
- ELSS mutual funds
- Life insurance premium
- Children's tuition fees
- Home loan principal
- NSC, FD (5 years)
Section 80D (Medical)
- Self & family: ₹25,000
- Parents (60+): ₹50,000
- Preventive health: ₹5,000
- Total max: ₹1,00,000
Other Sections
- 80CCD(1B): NPS ₹50,000
- 80E: Education loan interest
- 80EE/80EEA: Home loan ₹2L
- 80G: Charitable donations
- 80TTA: Savings interest ₹10K
HRA Exemption Calculation
HRA exemption is the minimum of:
- Actual HRA received
- 50% of (Basic + DA) for metro cities, 40% for non-metro
- Rent paid - 10% of (Basic + DA)
Example: Basic ₹50,000/month, HRA ₹20,000/month, Rent ₹25,000/month in Mumbai
- Actual HRA: ₹20,000
- 50% of Basic: ₹25,000
- Rent - 10% Basic: ₹25,000 - ₹5,000 = ₹20,000
- HRA Exemption: ₹20,000/month (minimum)
Investment Declaration (Form 12BB) Components
Documents needed for TDS calculation
- Rent receipts/agreement
- Landlord PAN (if rent > ₹1L/year)
- EPF statement
- LIC premium receipts
- ELSS investment proof
- Tuition fee receipts
- Health insurance premium
- Preventive health checkup
- Parents' medical insurance
- Interest certificate
- Principal repayment statement
- Possession certificate
Disclaimer: This TDS calculator provides estimates based on FY 2024-25 tax rates. Actual TDS may vary based on employer calculations. New tax regime is default from FY 2023-24. Standard deduction: ₹75,000 (new regime), ₹50,000 (old regime). Always consult a tax professional for accurate advice. Calculator updated: January 2025.