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Free · Income Tax Department

Advance Tax Planner

Enter what you expect to earn this year. The planner estimates your tax under the default new regime, tells you whether advance tax applies, and shows each instalment and a simple monthly amount to put aside so tax never becomes a debt.

In short: Who has to pay advance tax?

Anyone whose tax for the year, after TDS and TCS, is ₹10,000 or more. The threshold is unchanged under section 404 of the Income-tax Act, 2025. Salaried people whose employer deducts enough TDS usually don't need to.

Last reviewed against 3 official sources.

Try an example:

Your income for FY 2026-27

New (default) tax regime, resident individual

Set aside every month

₹13,240

Estimated tax ₹1,78,880 − TDS ₹20,000 = ₹1,58,880 for the year

Total income
₹18,60,000
Tax at slab rates
₹1,72,000
Health & education cess 4%
₹6,880

Instalments

  1. 15 Jun 202615% cumulative · date passed₹23,832total ₹23,832
  2. 15 Sept 202645% cumulative · date passed₹47,664total ₹71,496
  3. 15 Dec 202675% cumulative · next₹47,664total ₹1,19,160
  4. 15 Mar 2027100% cumulative₹39,720total ₹1,58,880

Pay ₹1,19,160 by 15 Dec 2026 to be on track.

How much should be paid by each date

By 15 March the full ₹1,58,880 should be paid.

The link holds your numbers in the address. Nothing is sent to us.

How the planner works

  1. Annual income = monthly income × 12 + other income.
  2. Tax at the new-regime slab rates, less the section 87A / 156 rebate, plus 4% cess.
  3. Less tax already deducted at source. If what's left is ₹10,000 or more, advance tax applies.
  4. The result is split into the cumulative 15% / 45% / 75% / 100% instalments, and divided by 12 for a monthly set-aside.

Worked example

A freelancer expects ₹1,50,000 a month plus ₹60,000 of interest: ₹18,60,000 for the year, with ₹20,000 TDS.

Slab tax₹20,000 + ₹40,000 + ₹60,000 + ₹52,000 = ₹1,72,000
Cess 4%₹6,880 → total ₹1,78,880
After TDS₹1,58,880
Instalments₹23,832 by 15 Jun · ₹71,496 by 15 Sep · ₹1,19,160 by 15 Dec · ₹1,58,880 by 15 Mar (cumulative)
Set asideabout ₹13,240 a month

Limits

  • Uses the new regime only. Under the old regime your deductions change the result.
  • Capital gains and other special-rate income are taxed differently and aren't modelled; surcharge above ₹50 lakh isn't included.

Reading the charts

Each chart redraws as you change the inputs and uses the same calculation as the result above. Choose "Show data" for the exact figures as a table, or download them as a CSV. "Copy link" saves your numbers in the page address so you can come back to the result or share it; nothing is sent to us.

Official sources

Figures last reviewed .

Frequently asked questions

Who has to pay advance tax?

Anyone whose tax for the year, after TDS and TCS, is ₹10,000 or more. The threshold is unchanged under section 404 of the Income-tax Act, 2025. Salaried people whose employer deducts enough TDS usually don't need to.

What are the advance tax due dates?

15% of the year's tax by 15 June, 45% by 15 September, 75% by 15 December and 100% by 15 March. If you use presumptive taxation (44AD/44ADA), you can pay it all by 15 March.

What are the new regime tax slabs?

For FY 2025-26 and tax year 2026-27: nil up to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above. A rebate of up to ₹60,000 means no tax for resident individuals with income up to ₹12 lakh, and marginal relief applies just above. A 4% cess is added.

What happens if I pay less or late?

Interest under section 234C (section 425 of the new Act) of 3% on the shortfall at each of the first three dates and 1% at 15 March, plus 1% a month under 234B (section 424) if you paid less than 90% by 31 March. Use our interest calculator to see the cost.

Why set money aside every month?

Freelancers and small businesses are paid unevenly. Moving a fixed share of income into a separate account each month means the quarterly instalments never become a lump-sum shock, and you avoid interest.

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Disclaimer: This tool gives a general estimate based on what you enter and the published rules. It is not tax, legal or financial advice, and the tax authority makes the final decision. Speak to a qualified professional before acting. See our disclaimer.