Advance Tax Calculator — FY 2025–26
Estimate instalments, shortfalls & a conservative interest estimate. Includes new-regime zero-tax check (≤ ₹12,00,000). This tool is for planning — consult a CA for exact legal interest computations.
Enter Your Details
Enter amounts already paid for each instalment (comma separated)
Estimate (FY 2025–26)
Enter your income details to calculate advance tax
Quick notes: Advance tax applies if tax after TDS & deductions > ₹10,000. Instalments: 15% (15 Jun), 45% (15 Sep), 75% (15 Dec), 100% (15 Mar). New-regime users with taxable income ≤ ₹12,00,000 will have zero tax — the calculator will show no advance tax required. Interest estimate is conservative (1%/month on instalment shortfalls) for planning. For precise legal interest calculation consult a CA.
Practical Pro Tips
Re-check TDS
If your employer/client has not deposited TDS properly, your TDS figure will not appear in Form 26AS — always confirm actual TDS.
Capital gains & one-off sales
If you make capital gains mid-year, pay tax in the next instalment — don't wait until March.
Presumptive taxpayers (44AD/44ADA)
You may pay all tax by 15 Mar. Use the calculator in "presumptive" mode if you're under these schemes.
Keep proof
Save challans of advance tax payments — you will need them while filing ITR.
When in doubt
If numbers change materially (new order, sale, capital gain), re-run calculator and top up instalments immediately.
If shortfalls exist
Pay at least the 75% by Dec 15 to avoid compounding interest later.
Frequently Asked Questions
What is Advance Tax?
Advance Tax is the tax you pay during the financial year, instead of waiting to pay everything when filing your Income Tax Return (ITR). The government wants taxpayers to pay tax quarter by quarter, so that income tax is collected evenly throughout the year.
Who must pay Advance Tax?
Only those whose total tax liability (after TDS) is more than ₹10,000 in a year. This includes freelancers, self-employed professionals, business owners, and anyone earning income without sufficient TDS.
How do I calculate Advance Tax?
Use our calculator above! Simply enter your estimated annual income, deductions, TDS already deducted, and select your tax regime. The calculator will show you the exact instalments required.
What happens if I miss the 15 Dec checkpoint?
Missing the 75% cumulative payment by 15 Dec can lead to interest charges under Sections 234B and 234C. The interest is typically 1% per month on the shortfall amount. Pay immediately to minimize interest.
How is interest calculated under Sections 234B/234C?
Section 234B charges interest on the amount of tax that remains unpaid after the end of the financial year. Section 234C charges interest for deferment of advance tax instalments. The calculator provides a conservative estimate (1% per month), but for exact legal interest calculations, especially with complex incomes, consult a tax professional.
What Is Advance Tax? (In Simple Words)
Advance Tax is the tax you pay during the financial year, instead of waiting to pay everything when filing your Income Tax Return (ITR). The government wants taxpayers to pay tax quarter by quarter, so that income tax is collected evenly throughout the year.
Think of it like this: You earn income every month. So the government wants tax every few months too.
Who Needs to Pay Advance Tax?
Not everyone — only those whose total tax liability (after TDS) is more than ₹10,000 in a year.
This includes:
- ✔ Business owners
- ✔ Startups
- ✔ Freelancers
- ✔ Consultants
- ✔ IT service providers
- ✔ Doctors, lawyers, CAs
- ✔ Landlords
- ✔ Traders & investors
- ✔ Anyone earning income without sufficient TDS
If after subtracting TDS your tax is more than ₹10,000, you MUST pay advance tax.
Advance Tax Payment Schedule — 4 Instalments
You must pay Advance Tax in these percentages:
| Due Date | Minimum Tax to Be Paid |
|---|---|
| 15 June | 15% |
| 15 September | 45% (cumulative) |
| 15 December | 75% (cumulative) |
| 15 March | 100% |
This means: By 15 December, most taxpayers must have paid 75% of the tax.
Need help finalising payments?
If the calculator shows a shortfall or you have complex income (capital gains, foreign income, multiple clients), DM us or book a 15-minute review — our expert CAs will check your numbers and give a practical payment plan.