# Advance Tax Calculator FY 2026-27: Instalments and Due Dates > Advance tax calculator for FY 2026-27: 15% by 15 June, 45% by 15 September, 75% by 15 December and 100% by 15 March, or all by 15 March under 44AD. Source: https://trykosh.com/tools/advance-tax-calculator Free tool - Income tax # Advance tax calculator with due dates Split this year's tax into the four advance-tax instalments, net of TDS, so you pay on time and avoid interest. Rules checked 25 October 2026Free - no sign-upRuns in your browser Advance tax to pay this year INR 1,80,000 In four instalments Instalments for FY 2026-27 Pay by Cumulative This instalment Paid so far 15 June 2026 15% INR 27,000 INR 27,000 15 September 2026 45% INR 54,000 INR 81,000 15 December 2026 75% INR 54,000 INR 1,35,000 15 March 2027 100% INR 45,000 INR 1,80,000 Miss an instalment and interest of 1% a month runs under sections 234B and 234C. ## Upload your statement and Kosh does this for you. Upload a bank statement or salary slip and Kosh works out your tax under both regimes from your real numbers, finds the deductions you're missing and reminds you before every deadline. [Start free](/signup?via=tool-advance-tax-calculator) ## How the advance tax calculator works If your tax for the year, after TDS and TCS, is INR 10,000 or more, you must pay it in advance during the year rather than at filing time. Salaried people with only salary income usually don't, because TDS covers it, but freelancers, landlords, investors with capital gains and people with large interest income often do. Enter your estimated tax for the whole year (use the income tax calculator for this) and the TDS you expect. The calculator schedules the balance: 15% by 15 June, 45% cumulatively by 15 September, 75% by 15 December and 100% by 15 March. If you use presumptive taxation under 44AD or 44ADA, the whole amount is due in one instalment by 15 March. Capital gains and lottery winnings that arise later in the year only need to be paid in the instalments after they arise, so you're not penalised for a sale you couldn't foresee. ## Worked example: Farhan, a freelance designer Farhan expects to owe INR 1.8 lakh of tax this year and his clients don't deduct TDS. He pays INR 27,000 by 15 June, INR 54,000 by 15 September, INR 54,000 by 15 December and the last INR 45,000 by 15 March. Advance tax to pay this year INR 1,80,000 In four instalments Miss an instalment and interest of 1% a month runs under sections 234B and 234C. [Load this example into the calculator ->](?tax=180000&tds=0#calculator) ## Good to know - Senior citizens (60+) without business or professional income are exempt from advance tax. - Pay through the e-Pay Tax service on the income-tax portal using challan ITNS 280, choosing 'advance tax'. - Paying 12% by June and 36% by September is enough to avoid 234C interest for those two instalments. - If your estimate turns out high, the excess comes back as a refund with interest when you file. ## Frequently asked questions Who needs to pay advance tax? Anyone whose tax for the year, after TDS and TCS, is INR 10,000 or more. Resident senior citizens with no business or professional income are exempt. Do salaried employees pay advance tax? Usually not, because the employer deducts TDS on salary. But if you also have rent, interest, capital gains or freelance income that pushes your untaxed liability above INR 10,000, you need to pay advance tax on that part. What happens if I miss an advance tax date? You pay simple interest of 1% a month on the shortfall under section 234C for the missed instalment, and if you've paid less than 90% of your tax by 31 March, 1% a month under 234B until you pay. When is advance tax due under presumptive taxation? If you declare income under section 44AD or 44ADA (now section 58 of the Income-tax Act, 2025), the whole advance tax is due in one instalment by 15 March. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.