%GST Calculator Pro
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Free Advance Tax Calculator

Turn your estimated annual tax into a quarter-by-quarter payment plan — 15%, 45%, 75% and 100% by the statutory due dates.

Free Advance tax instalment planner

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Note: Results are for quick estimation and general information only, based on rates as commonly applicable in 2026. Always confirm figures with the official GST/Income Tax portals or a qualified professional before filing. See our full disclaimer.

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Who must pay advance tax?

Anyone whose tax liability for the year — after TDS — is ₹10,000 or more must pay advance tax in instalments: salaried people with extra income, freelancers, businesses and investors. Senior citizens (60+) with no business income are exempt.

Due dates and instalments

Due dateCumulative advance tax payable
15 June15%
15 September45%
15 December75%
15 March100%

Taxpayers under presumptive schemes (44AD/44ADA) can pay the entire amount in one go by 15 March. Missing or short-paying instalments attracts interest under sections 234B and 234C at 1% per month, so planning the schedule saves real money.

Frequently asked questions

When is advance tax not required?

If your net tax liability after TDS is below ₹10,000 for the year, or if you are a resident senior citizen (60+) with no business or professional income.

What happens if I miss an advance tax instalment?

Interest applies under section 234C at 1% per month for the shortfall in each instalment, and under 234B if less than 90% of total tax is paid by 31 March.

Can freelancers pay all advance tax at once?

Freelancers opting for presumptive taxation under section 44ADA can pay the full amount in a single instalment by 15 March.