Source: https://awesomecalcs.com/advance-tax-calculator
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Advance Tax Calculator

> Work out your quarterly advance tax instalments and due dates.

Interactive calculator: https://awesomecalcs.com/advance-tax-calculator

## How this is calculated

Computes the quarterly advance tax instalment schedule on your estimated tax liability net of TDS already deducted, per Section 211.

**Formula:** `netLiability = max(0, totalTax - tds); schedule = 15/45/75/100% cumulative by Jun 15/Sep 15/Dec 15/Mar 15 (or a single 100% by Mar 15 instalment for presumptive-scheme taxpayers)`

**Variables:**

- `totalTax`: The selected regime's total tax on estimated total income, via calculateIncomeTax
- `tds`: TDS already deducted so far in the year

Reference: Income Tax Act Sections 208, 211; ClearTax advance tax guide (FY 2025-26).

## Assumptions

- No advance tax is required if net liability after TDS is Rs 10,000 or below (Section 208 threshold).
- Taxpayers under Section 44AD/44ADA/44AE presumptive taxation get a single 100%-by-15-March instalment instead of the normal four-instalment schedule.
- Underpaying an instalment attracts interest under Sections 234B/234C, not modelled here.

## Shareable URL parameters

Append these as query parameters to https://awesomecalcs.com/advance-tax-calculator to deep-link directly into a pre-filled, pre-calculated result page. Values outside the given range are clamped, not rejected.

- `income` (number (100000 to 10000000 INR), default `1500000`): Estimated total income for the year.
- `regime` (string ('old' | 'new'), default `new`): Tax regime used to compute total tax.
- `tds` (number (0 to 2000000 INR), default `0`): TDS already deducted so far in the year.
- `presumptive` (string ('yes' | 'no'), default `no`): Whether income is declared under 44AD/44ADA/44AE.

Example: https://awesomecalcs.com/advance-tax-calculator?income=1500000&regime=new&tds=50000

## Example scenarios

- [Advance Tax Schedule for Rs 15 Lakh Income, New Regime](https://awesomecalcs.com/llms/advance-tax-calculator/1500000-income-new-regime-advance-tax)
- [Advance Tax Schedule for Rs 20 Lakh Income with Rs 50,000 TDS Already Deducted](https://awesomecalcs.com/llms/advance-tax-calculator/2000000-income-tds-50000-advance-tax)
- [Advance Tax Schedule for a 44AD Presumptive Taxpayer, Rs 15 Lakh Income](https://awesomecalcs.com/llms/advance-tax-calculator/1500000-income-presumptive-advance-tax)

## Frequently asked questions

### Who needs to pay advance tax?

Anyone whose total tax liability for the year, after TDS, is more than Rs 10,000 must pay advance tax in instalments during the year rather than as one lump sum at return-filing time. This applies to salaried employees with significant other income, freelancers, business owners, and anyone with capital gains or rental income.

### What happens if I miss an instalment or pay less than the required amount?

Falling short of the required cumulative percentage at any instalment date attracts interest under Sections 234B and 234C, roughly 1% per month on the shortfall. Paying on time and in full avoids this extra cost.

### Why is the schedule different for 44AD/44ADA/44AE taxpayers?

Taxpayers who declare income under a presumptive scheme (Sections 44AD, 44ADA, or 44AE) get a simpler rule: pay 100% of their advance tax liability in a single instalment by 15 March, instead of the usual four quarterly instalments.

### Should I use my old or new regime tax figure?

Use whichever regime you actually plan to file under for the year. If you are not sure which is cheaper for you, check the Old vs New Tax Regime Calculator first, then come back here with that regime selected.

### What if my income estimate changes during the year?

Recalculate your remaining instalments whenever your income estimate changes meaningfully, for example after a bonus, a large capital gain, or a new freelance contract. The advance tax rules allow you to revise your estimate before each instalment date.

### Does salary TDS count toward "TDS already deducted"?

Yes. Include all TDS deducted so far in the year, salary TDS from your employer, TDS on FD interest, TDS on professional fees, and any other source, since advance tax is only due on the balance after all TDS.