Free Advance Tax Calculator
Work out your advance tax for FY 2025-26 in seconds. Enter your estimated income, subtract the TDS already paid, and see exactly how much to pay by 15 June, 15 September, 15 December and 15 March, for the new or old regime.
Applies the standard deduction (₹75,000).
Most taxpayers pay across four dates through the year.
on an estimated tax of ₹97,500 for the year
- Total tax for the year
- ₹97,500
- Less: TDS / TCS paid
- ₹0
- Net advance tax
- ₹97,500
| Due date | Cumulative | Pay by then |
|---|---|---|
| 15 JunePay this time ₹14,625 | 15% | ₹14,625 |
| 15 SeptemberPay this time ₹29,250 | 45% | ₹43,875 |
| 15 DecemberPay this time ₹29,250 | 75% | ₹73,125 |
| 15 MarchPay this time ₹24,375 | 100% | ₹97,500 |
Pay each installment in full and on time to avoid interest under sections 234B and 234C. This is an estimate, so confirm the final figures before you pay.
An estimate for planning. Confirm the final figures before you pay your advance tax.
Plan your advance tax in four steps.
Estimate your income, apply your regime and TDS, and read the amount due by each date. Everything updates as you type.
Estimate your income
Enter your expected total income for the year. Pick the new or old regime, your age band, and whether you are salaried so the right standard deduction applies.
Subtract tax already paid
Enter the TDS or TCS already deducted on your salary, interest or payments. Advance tax is only on what is left after that.
Check if it applies
If your net tax for the year is 10,000 rupees or more, advance tax is due. Below that, you can pay it all when you file.
See your installments
Read the amount to pay by each due date, 15 June, 15 September, 15 December and 15 March, worked out to the cumulative 15, 45, 75 and 100 percent.
How advance tax works.
Who has to pay, the four due dates, and the interest that applies if you miss them.
Who has to pay
Anyone whose total tax for the year, after TDS, comes to 10,000 rupees or more. This often catches freelancers, business owners, and salaried people who also earn interest, rent or capital gains that TDS did not fully cover.
The four due dates
You pay in four installments: at least 15 percent by 15 June, 45 percent by 15 September, 75 percent by 15 December and the full 100 percent by 15 March. Each figure is cumulative, so you top up to that share by each date.
Presumptive scheme
If you are taxed under the presumptive scheme, section 44AD or 44ADA, you skip the four dates and pay the whole advance tax in one go by 15 March.
Senior citizens
A resident senior citizen aged 60 or above with no income from a business or profession is not required to pay advance tax at all. They can pay when they file the return.
Section 234B interest
If you pay no advance tax, or less than 90 percent of what was due, interest of 1 percent a month runs on the shortfall from 1 April of the assessment year until you pay.
Section 234C interest
If you pay an installment late or short of its cumulative share, interest of 1 percent a month applies on that gap for the deferment period. Paying each installment in full and on time avoids it.
The advance tax calendar.
Four installments through the year. Each percentage is cumulative, so you top up to that share by each date.
Under the presumptive scheme (section 44AD or 44ADA), the whole advance tax is paid in one installment by 15 March.
Tax and compliance that runs itself.
This tool is great for a quick estimate. But if you want advance tax, TDS and payroll worked out from your real numbers, tracked against every due date and reconciled in one place, you want that built into your systems. That is the kind of finance, ERP and payroll software we build at Techliphant, shaped around how your business runs.
Also useful: Income Tax calculator, Salary calculator and the TDS calculator.
Common advance tax questions.
Advance tax is income tax you pay through the year as you earn, rather than in one payment when you file your return. If your tax for the year after TDS is 10,000 rupees or more, the law expects you to pay it in installments on set dates.
Anyone whose net tax for the year, after subtracting TDS and TCS, is 10,000 rupees or more. That includes the self employed, business owners, and salaried people with extra income from interest, rent, dividends or capital gains. A resident senior citizen with no business income is exempt.
For most taxpayers there are four: 15 June, 15 September, 15 December and 15 March. By each date you should have paid a cumulative 15 percent, 45 percent, 75 percent and 100 percent of your net tax for the year. Under the presumptive scheme there is a single date, 15 March.
Estimate your total income for the year and work out the tax on it, including any rebate, surcharge and cess. Subtract the TDS and TCS already deducted. If the remaining amount is 10,000 rupees or more, that is your advance tax, and you split it across the due dates by their cumulative percentages. This calculator does all of that for you.
By 15 June you pay at least 15 percent of the net tax, by 15 September 45 percent, by 15 December 75 percent, and by 15 March the full 100 percent. Because the shares are cumulative, each installment is the difference between its share and what you have already paid.
Section 234B charges interest at 1 percent a month when you have paid no advance tax, or less than 90 percent of what was due, by the end of the year. It runs on the shortfall from 1 April of the assessment year until you clear it. Paying your advance tax on time avoids it.
Section 234C charges interest at 1 percent a month when an installment is paid late or falls short of its cumulative share by the due date. It applies only for the months of the deferment. Meeting each of the four dates in full keeps it away.
Usually not on their salary, because the employer deducts TDS on it every month. But if you earn other income that is not fully covered by TDS, such as bank interest, capital gains, rent or freelance work, the tax on that can push you over the 10,000 rupee line, and then advance tax applies to it.
Yes on both. It is free, there is no sign-up, and it runs entirely in your browser. Nothing you enter is sent anywhere or stored, so your income details stay on your own device.
They are a close estimate for a straightforward income using the FY 2025-26 rules. Special cases like capital gains taxed at their own rates, relief under specific sections, and the exact 234B and 234C interest are not worked out here. Treat it as a planning guide and confirm with a tax professional or the income tax portal before you pay.
Private by design: this calculator runs entirely in your browser, so nothing you type is uploaded or stored. It is a planning estimate for FY 2025-26 and does not work out the exact 234B and 234C interest or special cases like capital gains. Confirm the figures with a tax professional or the income tax portal before you pay.
Ready when you are
Let's build something exceptional.
Tell us about your business, your stack, and the problem you are trying to solve. We respond with a clear next step usually a 30-minute discovery call, no fluff.