Find out the monthly TDS your employer should be deducting from your salary, including for mid-year joiners with fewer months left in the financial year.
Your employer is legally required to estimate your total tax liability for the financial year and deduct it evenly across your remaining pay cycles, under Section 192 of the Income Tax Act. This estimate gets revised whenever your salary structure, bonus, declared deductions, or choice of tax regime changes, which is why your TDS amount can shift between payslips even without a change in your gross pay.
Enter your projected annual gross salary, pick your tax regime, and add any TDS already deducted this year along with the months remaining. The tool calculates your full year tax liability, subtracts what's already been deducted, and divides the remainder across the months left, giving you the monthly figure your payslip should reflect going forward.
If you join mid year, receive a bonus, forget to submit investment proofs by the declaration deadline, or switch tax regimes partway through the year, your employer will recompute the remaining tax and spread it over whatever months are left. This sometimes results in a noticeably higher TDS for a month or two near the end of the financial year.
They estimate your total annual tax liability from your projected salary and declared deductions, then divide the remaining tax by the remaining months.
A salary revision, bonus, missed investment proof, or regime change can all trigger a recomputation of your remaining TDS.
Excess TDS is refunded when you file your ITR; a shortfall must be paid as self-assessment tax, sometimes with interest.