Calculate quarterly advance tax installments and due dates.
Calculate Advance Tax Installments
Advance Tax Installment Schedule
Annual Tax Liability
₹0
Applicable?
✓ Yes (≥₹10,000)
Quarter
Due Date
Percentage
Cumulative Tax
Amount to Pay
Interest Penalty (Section 234B & 234C):If you fail to pay advance tax, interest @1% per month is charged on the unpaid amount. Ensure timely payment to avoid penalties.
Who Needs to Pay Advance Tax?
Salaried Employees:Usually don't need to pay advance tax (TDS is deducted by employer). Exception: If income from sources other than salary exceeds ₹10,000, advance tax may be required.
Self-employed/Business:Must pay advance tax if estimated income exceeds ₹1 lakh (after deductions).
Capital Gains Income:If capital gains income (STCG/LTCG) is expected, advance tax is mandatory.
Senior Citizens (60+):Only if business/profession income is expected. Salary income is exempt.
Minimum Threshold:Total estimated tax liability must be ≥ ₹10,000 for advance tax requirement.
Advance Tax Installment Deadlines FY 2025-26
Quarter
Due Date
Percentage of Annual Tax
Form for Deposit
Q1
15 June 2025
15%
Challan 280
Q2
15 September 2025
45% (Cumulative)
Challan 280
Q3
15 December 2025
75% (Cumulative)
Challan 280
Q4
15 March 2026
100% (Cumulative)
Challan 280
Frequently Asked Questions
What happens if I miss the advance tax deadline?+
If you fail to pay advance tax on time, interest is charged @1% per month (Section 234B and 234C) on the unpaid amount. Additionally, you may face penalties during tax assessment. It's best to pay on time to avoid these extra costs.
Can I pay the entire advance tax in March?+
Technically, you can pay the full advance tax by 15 March (Q4 due date), but this will attract interest penalties for missing Q1, Q2, and Q3 installments. It's much better financially to pay in quarterly installments as per the due dates.
Is advance tax required for salaried employees?+
Generally, no. Salaried employees have tax deducted at source (TDS) by their employer, so advance tax is not required. However, if you have income from other sources and the total tax liability exceeds ₹10,000, you may need to pay advance tax on that additional income.
What if my income changes during the year?+
You can revise your advance tax calculation based on updated estimates. However, there's no formal "revised advance tax" mechanism. If your actual income is less, you'll get a refund during the tax return filing. If it's more, you may need to file amended returns and pay any additional tax.
Are there special rules for capital gains?+
Yes. Capital gains are taxed at special rates (15% for LTCG, as per holding period). If you expect capital gains, you must pay advance tax even if your other income is below the threshold. The advance tax is calculated on the total income including capital gains.
How do I deposit advance tax?+
You can deposit advance tax through: (1) Online payment on the Income Tax e-portal (www.incometax.gov.in), (2) Bank challan (Form 280) at any bank, (3) NEFT/RTGS transfer to the income tax collection account. Use Challan 280 for advance tax deposits and ensure you get proper acknowledgment.
How to Use This Calculator
Enter Estimated Income:Input your total estimated annual income from all sources.
Select Age Group:Choose your age bracket for determining applicable income slab.
Select Income Types:Check the income sources you'll have in this financial year.
Choose Tax Regime:Select the tax regime (new is default and recommended for most).
Calculate:Click the Calculate button to see quarterly installment schedule.
Pay on Time:Note the due dates and ensure timely payments to avoid interest penalties.
Disclaimer:This calculator provides estimates based on FY 2025-26 tax rates. For professional tax planning and compliance, consult a qualified CA or tax advisor.
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