TDS on Salary — Plain English Explainer
Confused why TDS was deducted from your salary? Upload your slip and get a plain-language breakdown of the calculation. Free tool.
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How It Works
Tax Deducted at Source (TDS) on salary is one of the most common sources of confusion for Indian employees. Every month, your employer deducts a portion of your salary as advance tax and remits it to the government on your behalf. The amount can feel arbitrary without understanding what drives it.
Your employer estimates your total annual taxable income at the start of the financial year, subtracts your declared deductions (Section 80C, HRA, etc.), and divides the resulting tax liability across 12 months. If you change jobs, get a bonus, or forget to submit investment proofs, your TDS can spike significantly in the last few months of the year.
Upload your salary slip and our tool will extract your gross salary, taxable components, and deductions to give you a plain-language breakdown of exactly how your TDS was calculated — no chartered accountant required.
Frequently Asked Questions
Why is TDS deducted every month instead of once a year?
Employers estimate your annual tax liability at the start of the financial year and deduct it proportionally each month to prevent a large one-time payment.
Can I get a TDS refund?
Yes. If excess TDS was deducted compared to your actual tax liability, you can claim a refund when filing your ITR. The refund is credited directly to your bank account.
What happens if no TDS is deducted from my salary?
You may still owe tax directly to the government. Check whether your income falls below the basic exemption threshold. If not, you must pay advance tax yourself.