Calculate your quarterly advance tax instalments for FY 2025-26. Avoid interest under Section 234B and 234C by paying the right amount at the right time.
Based on New Tax Regime slabs (Budget 2025). Income up to ₹12 lakh effectively nil after rebate u/s 87A.
Total Income
₹14,00,000
Gross Tax
₹1,20,000
Health & Ed. Cess (4%)
₹4,800
Net Tax Liability
₹74,800
Advance Tax Payment Schedule — FY 2025-26
Q1 Instalment
Jun 15, 2025 — 15% cumulative
₹11,220
this quarter
Q2 Instalment
Sep 15, 2025 — 45% cumulative
₹22,440
this quarter
Q3 Instalment
Dec 15, 2025 — 75% cumulative
₹22,440
this quarter
Q4 Instalment
Mar 15, 2026 — 100% cumulative
₹18,700
this quarter
Tax Slab Breakdown
| Income Range | Rate | Tax |
|---|---|---|
| ₹3L – ₹7L | 5% | ₹20,000 |
| ₹7L – ₹10L | 10% | ₹30,000 |
| ₹10L – ₹12L | 15% | ₹30,000 |
| ₹12L – ₹15L | 20% | ₹40,000 |
| Health & Education Cess (4%) | ₹4,800 | |
Interest warning: If advance tax paid is less than 90% of total liability, interest under Section 234B (1%/month) applies. Missing quarterly deadlines attracts Section 234C interest (1%/month on shortfall). Always pay on time.
HOW IT WORKS
Input trading income (F&O/intraday) and other income sources like salary or interest.
Enter TDS already deducted and any advance tax already paid.
See exactly how much to pay by June 15, September 15, December 15, and March 15.
FAQ
If your total tax liability after TDS exceeds ₹10,000 in a financial year, you are required to pay advance tax in four quarterly instalments.
Yes — F&O and intraday trading income is treated as business income. Since no TDS is deducted on these, traders often have a large advance tax obligation.
Interest at 1% per month under Section 234C is charged on the shortfall for each quarter. Under Section 234B, 1%/month interest applies if total advance tax paid is less than 90% of final liability.
This calculator uses the New Tax Regime slabs effective from FY 2024-25 (Budget 2023). Old regime gives more deductions but higher rates — consult a CA for regime choice.
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