Advance Tax Calculator: Installments & Due Dates (FY 2025-26)
The Advance Tax calculator tells you whether you need to pay tax in advance and exactly how much to deposit by each due date. Enter your estimated income, deductions, and any TDS already paid to instantly see your total tax liability, advance tax payable, and the 15 June / 15 September / 15 December / 15 March installment schedule. Everything is calculated privately in your browser.
Key Takeaways
Quick Scenarios
Advance Tax Summary
Tax Breakdown
Advance Tax Installment Schedule (FY 2025-26)
| Due Date | Cumulative % | Pay This Installment | Cumulative Payable |
|---|
Advance Tax Calculator FY 2025-26: Calculate Your Payment Schedule Online
Advance tax is income tax you pay during the year instead of in one lump sum at the end. Under the Income Tax Act, you must pay it in installments when your total tax liability, after adjusting TDS and TCS, crosses ₹10,000 in a financial year.
This advance tax calculator does the full computation for you in seconds. Enter your estimated income, deductions, and any tax already deducted, and it shows your total tax liability along with the exact amount to deposit by each due date.
Here is what it calculates instantly:
- Your taxable income after deductions
- Income tax under the FY 2025-26 slabs
- Surcharge on higher incomes
- 4% health and education cess
- Your total tax liability
- TDS and TCS adjustment
- Net advance tax payable
- The full 15 June, 15 September, 15 December and 15 March installment schedule
It works for individuals, HUFs, freelancers, professionals and business owners, under both the new and old tax regimes.
What Is Advance Tax?
Advance tax is often called the “pay as you earn” tax. Instead of paying your entire income tax bill when you file your return, you pay it in four installments spread across the year.
The government uses this system to receive a steady flow of revenue. For you, it means the year-end tax burden is smaller and, more importantly, you avoid interest penalties for late payment.
You are liable to pay advance tax when your estimated tax for the year, after subtracting TDS and TCS, is ₹10,000 or more.
Who Needs to Pay Advance Tax?
Advance tax applies to a wide range of taxpayers, not just businesses.
Salaried employees
Most salaried people do not need to worry about advance tax, because their employer deducts TDS on salary every month. You become liable only when you have extra income that TDS does not cover, such as:
- Interest on fixed deposits and savings
- Capital gains from shares, mutual funds or property
- Rental income
- Freelance or consulting income on the side
Freelancers and professionals
If you earn from freelancing, consulting or a profession, there is usually no employer deducting tax for you. You are responsible for estimating your income and paying advance tax yourself.
Business owners and HUFs
Any business or Hindu Undivided Family with a tax liability above ₹10,000 after TDS must pay advance tax.
Senior citizens
There is one important relief. A resident senior citizen aged 60 or above who does not have any income from business or profession is exempt from paying advance tax. Such individuals can pay their tax as self-assessment tax at the time of filing.
Advance Tax Due Dates for FY 2025-26
The Income Tax Act sets four due dates under Section 211. You must pay a fixed cumulative percentage of your total advance tax by each date.
| Due Date | Cumulative Advance Tax Payable |
|---|---|
| 15 June 2025 | At least 15% |
| 15 September 2025 | At least 45% |
| 15 December 2025 | At least 75% |
| 15 March 2026 | 100% |
The calculator automatically builds this schedule from your net advance tax, showing both the amount due in each quarter and the running cumulative total.
There is a special rule for presumptive taxpayers. If you file under Section 44AD or 44ADA, you can pay your entire advance tax in a single installment by 15 March.
How This Advance Tax Calculator Works
The tool follows the same steps the Income Tax Department uses, in plain sequence.
Step 1: Choose your tax regime
Use the New Regime and Old Regime toggle at the top. The calculator applies the correct slabs for whichever you select. If you pick the old regime, open Advanced Options to choose your age group, since the exemption limit changes for senior and super senior citizens.
Step 2: Enter your income and deductions
Type in your estimated gross annual income and your total deductions. The calculator subtracts deductions from income to find your taxable income.
Step 3: Base tax under FY 2025-26 slabs
For the new regime, the calculator uses these slabs:
- Up to ₹4,00,000: nil
- ₹4,00,001 to ₹8,00,000: 5%
- ₹8,00,001 to ₹12,00,000: 10%
- ₹12,00,001 to ₹16,00,000: 15%
- ₹16,00,001 to ₹20,00,000: 20%
- ₹20,00,001 to ₹24,00,000: 25%
- Above ₹24,00,000: 30%
It also applies the Section 87A rebate automatically. Under the new regime, taxable income up to ₹12,00,000 attracts zero tax after rebate. Under the old regime, income up to ₹5,00,000 is rebated.
Step 4: Add surcharge and cess
On higher incomes, surcharge is added on top of the base tax at increasing rates above ₹50 lakh, ₹1 crore, ₹2 crore and ₹5 crore. A 4% health and education cess is then applied on base tax plus surcharge.
Step 5: Adjust TDS and split into installments
Enter the TDS or TCS already paid, and the calculator subtracts it. If the remaining amount is ₹10,000 or more, it generates your four quarterly installments. If it is below ₹10,000, the tool tells you advance tax is not required.
A Worked Example
Suppose you are a freelancer under the new regime with an estimated gross income of ₹12,00,000 and no TDS deducted.
- Taxable income: ₹12,00,000
- Income tax after Section 87A rebate: nil
- Advance tax payable: nil
Now suppose your income is ₹18,00,000 with a ₹75,000 standard-style deduction, still no TDS. The calculator computes the slab tax, adds 4% cess, and because the amount exceeds ₹10,000, it splits it across the four due dates. Your first installment by 15 June would be 15% of that total, and so on until 100% by 15 March.
You can try both cases in seconds using the Quick Scenarios buttons, which pre-fill common profiles like a salaried ₹10 lakh earner, a salaried ₹15 lakh earner, an old-regime ₹25 lakh case, and a ₹12 lakh freelancer.
Interest Under Sections 234B and 234C
Paying late or paying too little triggers interest at 1% per month.
- Section 234C applies when you miss or underpay a quarterly installment during the year. Interest runs on the shortfall for each affected quarter.
- Section 234B applies when the total advance tax you paid by 31 March is less than 90% of your final tax. Interest runs from 1 April until you clear the balance.
There is useful breathing room built into the law. You avoid 234C interest if you have paid at least 12% of your tax by the June deadline and at least 36% by the September deadline. The insight box in the calculator flags your interest exposure so you can plan payments and avoid penalties.
How to Pay Advance Tax Online
Once you know the amount, paying is quick:
- Go to the Income Tax e-filing portal and open the e-Pay Tax section, or use Challan 280 (ITNS 280).
- Select “Income Tax (Other than Companies)” as the major head, code 0021.
- Choose “Advance Tax”, type of payment code 100.
- Pick Assessment Year 2026-27 for FY 2025-26.
- Enter the amount and complete payment through net banking, UPI or card.
After paying, verify the credit in your Form 26AS or Annual Information Statement (AIS) on the e-filing portal, so it reflects against your PAN before you file.
Features of This Advance Tax Calculator
This tool is built to be fast, private and genuinely useful:
- New and old regime toggle with correct FY 2025-26 slabs
- Age group option for senior and super senior citizens under the old regime
- Automatic Section 87A rebate, surcharge and 4% cess
- TDS and TCS adjustment to show true advance tax payable
- Full quarterly installment schedule with cumulative totals
- A clear tax breakdown showing taxable income, income tax, surcharge, cess and total liability
- A visual chart splitting your income into take-home and total tax
- Quick Scenarios for common salaried, freelancer and old-regime profiles
- Key Takeaways with a plain-language insight on your interest risk
- Share Plan to generate a personalized link
- Download CSV to save your full report
- Share Image to export a clean summary as an image
- A mobile-friendly card view of the schedule
- Everything is calculated privately in your browser, with no sign-up
Advance Tax vs Self-Assessment Tax
| Feature | Advance Tax | Self-Assessment Tax |
|---|---|---|
| When paid | In installments during the year | After the financial year ends |
| Installments | Yes, four quarters | No, single payment |
| Interest risk | Lower if paid on time | Higher if the liability was large |
| Who it suits | Ongoing income above the threshold | Small balances at filing |
Key Takeaways
- Advance tax is due when your tax after TDS crosses ₹10,000 in a year.
- Pay 15% by 15 June, 45% by 15 September, 75% by 15 December and 100% by 15 March.
- Missing deadlines attracts 1% per month interest under Sections 234B and 234C.
- Resident senior citizens without business income are exempt.
- This calculator gives you the exact schedule instantly, updated for FY 2025-26.
Frequently Asked Questions
If the TDS your employer deducts covers your full tax liability, you do not. If you have extra income like interest, rent or capital gains that pushes your tax after TDS above ₹10,000, you must pay advance tax on that portion.
Interest under Section 234C applies at 1% per month on the shortfall for that quarter. You can still reduce the damage by paying more in the next installment.
A resident senior citizen aged 60 or above with no income from business or profession is exempt. They can pay any tax due as self-assessment tax when filing.
Estimate your yearly income, subtract eligible deductions, apply the tax slabs, add cess, and reduce any TDS. If the balance is ₹10,000 or more, pay it across the four due dates. This calculator does all of that for you.
No. The 4% health and education cess is charged on your base income tax plus surcharge, not on your income.
Yes. You can adjust later installments up or down based on your latest income estimate. If income rises, top up in the next quarter to stay above the required percentage.
Any excess is refunded when you file your income tax return, and the Income Tax Department pays interest on the refund in eligible cases.
FY 2025-26 corresponds to Assessment Year 2026-27. Select AY 2026-27 when paying your advance tax challan.