Salary Slip TDS Checker
India Uses Indian income-tax, provident fund, ESI and professional tax rules.
Check the tax and deductions on your salary slip line by line against what the rules produce. Amounts only, no login and no uploads.
Educational estimate only. Not a lending decision. Your numbers stay in this browser.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
Assumptions and formula
The calculator computes what each line of your payslip should be from your salary structure and your state, then subtracts what your employer actually deducted. Differences usually come from a declaration your employer has not processed, a different assumption about your rent, or a tax regime on file that is not the one you intended. It works from amounts only and never asks for your PAN, your UAN or a document upload.
Income tax, EPF, ESI and gratuity rules run locally from rule data verified against the Income Tax Department, EPFO, ESIC and the Code on Wages. Professional tax is a state levy: schedules confirmed against the state own notification are labelled as such, and a state whose schedule is not sourced is never silently treated as nil. This is an estimate, not a payslip, a Form 16 or tax advice.
Worked example
On a 20,00,000 package with six months left in the year and 8,00,000 of declared previous-employer salary, the projected monthly TDS is about 56,942. A slip showing 60,000 is over-deducting by roughly 3,058 a month.
Frequently asked questions
Is my employer deducting the right amount of TDS?
Enter the amounts from your salary slip into the payslip checker and this calculator will compare each line against what the rules produce for your salary structure. Differences usually come from a declaration your employer has not processed, a different assumption about your rent, or a tax regime your employer has on file that is not the one you intended.
I changed jobs in the middle of the year. Why is my TDS suddenly higher?
Your new employer must withhold tax on your total salary from both employers for the financial year, but only has the remaining months to collect it. If you did not declare your previous employer’s salary, your new employer applies the basic exemption and deductions a second time and under-deducts, leaving you with a large bill at filing. Enter your previous employer’s taxable salary and the TDS already deducted to see the real figure.
How much professional tax will I pay?
Professional tax is a state levy, capped at ₹2,500 a year by Article 276(2) of the Constitution. States differ widely: Karnataka charges ₹200 a month above ₹25,000 salary, Maharashtra exempts women below ₹25,000 a month but men only below ₹7,500, Tamil Nadu and Kerala assess half-yearly, and Delhi, Haryana, Uttar Pradesh and Rajasthan do not levy it at all.
My RSUs vested. Why did my take-home drop?
A vest is taxed as a salary perquisite in the month it happens, but it pays you shares, not cash. Your employer must deduct the tax from your salary, so your take-home falls even though your pay has not changed. Many employers offer sell-to-cover, which liquidates part of the vest to fund the tax instead.
How much HRA exemption can I claim?
HRA exemption under Section 10(13A) is the least of three figures: the HRA you actually received, the rent you paid minus 10 per cent of your basic salary, and 50 per cent of basic if you live in Delhi, Mumbai, Kolkata or Chennai (40 per cent everywhere else). If you pay no rent you get no exemption at all, whatever your HRA component says. Note that Bengaluru, Hyderabad, Pune and Gurugram are non-metro for this rule regardless of how expensive they are.