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Advance Tax Calculator India – Quarterly Instalments
Compute India's quarterly advance-tax instalments (15% by Jun 15, 45% by Sep 15, 75% by Dec 15, 100% by Mar 15) for salaried, business, freelance, and presumptive taxpayers. Avoid 234B/C interest.
Last reviewed: · Methodology: India-first (FY 2025-26 · Budget 2024 LTCG).
₹15,00,000
₹0
TDS on salary (from Form 16 / payslips) reduces what you owe in advance tax.
Advance tax liability this year
₹97,500
Annual tax: ₹97,500 · TDS: ₹0
Q1 – by 15 June
15% of annual liability
₹14,625
Q2 – by 15 September
45% cumulative (30% incremental)
₹29,250
Q3 – by 15 December
75% cumulative (30% incremental)
₹29,250
Q4 – by 15 March
100% cumulative (25% incremental)
₹24,375
Quick rules
- Salaried-only with no other income usually don't need to pay – TDS covers it.
- Missed instalments attract interest u/s 234B and 234C.
- Presumptive taxpayers (44AD / 44ADA) can pay 100% in a single instalment by 15 March. This calculator assumes the standard four-quarter schedule; for presumptive, just look at the Q4 row and ignore the others.
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Frequently asked questions
Do salaried employees need to pay advance tax?
Not usually. Your employer deducts TDS on salary every month, which counts toward your annual liability. Advance tax kicks in only if you have other income (capital gains, interest, rental, freelance) that bumps your total liability above ₹10,000 after TDS.
What are the four due dates?
15 June (15% cumulative), 15 September (45%), 15 December (75%), 15 March (100%). Miss a date and you pay interest at 1% per month under Section 234C. Continuing shortfall after 31 March attracts 234B (1%/month until paid).
How do I pay advance tax?
Online via Challan ITNS-280 at tin.tin.nsdl.com or through your bank's online portal. Select (100) Advance Tax, enter PAN + AY, and pay via net-banking/UPI. Keep the challan receipt for ITR filing.
What if I overpay advance tax?
Refund happens via ITR. You claim it as 'Advance tax paid' in the ITR form; the IT department refunds the excess with 6% interest u/s 244A after processing. Refund usually lands within 30-90 days of ITR filing.
I'm a freelancer / business under 44ADA. What's different?
Presumptive-income taxpayers (44AD / 44ADA) pay 100% of liability in a single instalment by 15 March. The four-quarter schedule doesn't apply. Turnover threshold: 44ADA up to ₹75L professional receipts, 44AD up to ₹3Cr business turnover.
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