Advance tax planner
See how much advance tax to pay by each due date, and estimate interest if a payment was missed.
Your instalment calendar
GrowthSense · Estimate
Your calendar prints here
Enter your estimated tax, then press Show my instalments.
- What to pay on 15 June, September, December and March
- Which due date is next
- An interest estimate if a payment was missed
How advance tax works
Advance tax means paying income tax during the year instead of all at once when you file. It mostly affects freelancers, business owners, landlords and investors whose TDS does not cover their full tax.
| Due date | Cumulative amount due |
|---|---|
| 15 June | 15% |
| 15 September | 45% |
| 15 December | 75% |
| 15 March | 100% |
With presumptive income under section 44AD or 44ADA, the whole amount can be paid by 15 March. The interest estimate here rounds amounts down to the nearest ₹100 and counts part of a month as a full month. It does not adjust for capital gains or other one-off income that arises later in the year. The Income-tax Act, 2025 replaces the section numbers used here from 1 April 2026.
Pay and check challans on incometax.gov.in.
Frequently asked questions
Who has to pay advance tax?
Anyone whose tax for the year, after TDS and TCS, is ₹10,000 or more. Resident senior citizens (60 or older) who have no business or professional income do not have to pay advance tax.
What are the advance tax due dates?
At least 15% of the year’s tax by 15 June, 45% by 15 September, 75% by 15 December and 100% by 15 March. If you use presumptive taxation under section 44AD or 44ADA, you can pay the whole amount by 15 March.
What is interest under section 234B and 234C?
Section 234C charges 1% a month for paying an instalment late or short: 3 months each for the June, September and December instalments and 1 month for March. Section 234B charges 1% a month from April after the year ends if you paid less than 90% of your tax as advance tax. This tool gives an estimate only.
How do I pay advance tax?
Online through the e-Pay Tax service on incometax.gov.in, using challan ITNS 280 with the payment type set to advance tax. Keep the challan details for your return.
Get this filed for you
Send a message on WhatsApp or call. You will get a clear list of what is needed and a quote before any work starts.