📅 Advance Tax Calculator
FY 2025-26 (AY 2026-27) — 4 installments, due dates & interest if missed
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Disclaimer: Based on Budget 2025-26. Verify with a CA or incometax.gov.in before paying. Installment percentages as per Sec 211. This is an estimate only.
📌 Who pays advance tax?
- Tax liability after TDS > ₹10,000 in the year
- Business / freelance / trading income earners
- Salaried with rental, FD interest or capital gains
- Senior citizens (60+) exempt if NO business income
Your Income Sources (Annual Estimates)
STCG on equity: 20%, others at slab rate
LTCG on equity >₹1.25L: 12.5%
Tax Already Paid / Deducted
Total Advance Tax to Pay (FY 2025-26)
📊 Tax Computation Summary
Gross Total Income
Deductions (Std. Dedn.)
Taxable Income
Tax on Regular Income
STCG Tax (20%)
LTCG Tax (12.5% above ₹1.25L)
Health & Education Cess (4%)
Gross Tax Liability
Less: TDS
Less: Advance Tax Paid
Net Advance Tax Due
Frequently Asked Questions
15 June (15%), 15 September (45% cumulative), 15 December (75% cumulative), 15 March 2026 (100%). Missing any deadline triggers 1% per month interest under Section 234C on the shortfall.
Anyone with estimated tax liability (after TDS) exceeding ₹10,000. Includes business owners, freelancers, investors with capital gains, salaried employees with side income. Senior citizens (60+) without business income are exempt.
234C: For each installment shortfall (1% per month on the shortfall). 234B: If total advance tax paid by 31 March is less than 90% of final liability, 1% per month from April 1 till actual payment. Always pay at least 90% by March 15 to avoid 234B.
Go to incometax.gov.in → e-Pay Tax → Challan 280 → select '(100) Advance Tax' → enter PAN, assessment year (2026-27), amount and pay via net banking / debit card. Save the challan BSR code and serial number for ITR filing.
Yes. Capital gains (both STCG and LTCG) are included in advance tax calculations. STCG on equity mutual funds/stocks: 20%. LTCG on equity above ₹1.25L exemption: 12.5%. For non-equity: as per slab rates. Include these in your advance tax estimates, especially after redemptions.