How does this TDS calculator decide the section?

You choose the nature of the payment from a searchable list — contractor, professional fees, rent, commission, interest, and so on. Each option is mapped to the correct section. The tool then applies the threshold and rate for that section and computes the TDS or TCS. It does not guess from free text, because a wrong classification produces the wrong tax.

Are these the FY 2026-27 rates under the new Income Tax Act 2025?

Yes. From 1 April 2026 the Income Tax Act 2025 consolidated TDS into Section 393 and TCS into Section 394. Most rates and thresholds carry forward from the old sections; the familiar numbers (194C, 194J, etc.) are shown for reference. Rates change with each Finance Act, so confirm the current position before deducting.

What rate applies if the payee does not have a PAN?

For most TDS, no PAN means tax at 20% (or the normal rate, whichever is higher). For purchase of goods and e-commerce it is 5%. For TCS, no PAN means the higher of twice the rate or 5%. Toggle the PAN option in the calculator to see the effect.

Does this calculator cover salary (Section 192)?

Salary TDS is based on the employee's income-tax slab, not a flat rate, so it is not a single percentage. Use our Income Tax Calculator for salary, and this tool for all other TDS and TCS payments.

TDS & TCS Calculator FY 2026-27 | Find Section, Rate & Amount

TDS & TCS Calculator (FY 2026-27)

Describe the payment, enter the amount, and the tool finds the applicable section, rate and the TDS or TCS payable — for the new Income Tax Act 2025 (Sections 393 & 394).

1. Is tax to be deducted or collected?

2. Nature of payment (type to search — e.g. contractor, rent, commission, professional fees, scrap)

3. Amount of payment (₹)

4. Does the payee/buyer have a valid PAN?

Pick a nature of payment above to see the section, rate and amount.

Get TDS done by a CA

How this works. Each payment type is mapped to its section under the Income Tax Act 2025 — TDS under Section 393, TCS under Section 394 — with the familiar old number (194C, 194J, 206C, etc.) shown for reference. The tool checks the threshold, applies the rate, and computes the tax. Where the rate depends on whether the payee is an individual/HUF or a company, pick the payee type. No-PAN: most TDS becomes 20%, purchase of goods/e-commerce 5%, and TCS the higher of twice the rate or 5%. This is an estimate for resident payments only — non-resident payments (Section 195) and salary (slab-based) need separate advice. Always confirm the current rate for your facts; this is not tax advice.

Need help getting TDS right?

Wrong section coding, missed thresholds and late deposits trigger interest and a 30% expense disallowance. Our Chartered Accountants in Saket, New Delhi handle TDS and TCS end-to-end as part of bookkeeping and Virtual CFO services across Delhi NCR. Read our guide on Section 194C TDS on contractor payments, use the Income Tax Calculator for salary, or book a free consultation.

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