Advance tax calculator: the four instalments, sized.
India collects tax as you earn it — 15% by June, 45% by September, 75% by December, all of it by March. Enter your estimated tax and TDS, and see exactly what's due at each date, what you still owe now, and whether you're in 234B/234C interest territory.
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Instalments are cumulative targets on the liability net of TDS. No advance tax applies when the net liability is under ₹10,000, or for resident senior citizens without business income. Capital gains and dividends arising mid-year can be paid in the remaining instalments without 234C interest. Interest under 234B/234C runs at 1% per month. Not tax advice.
The one-off income rule most people miss
A capital gain or large dividend landing in, say, January doesn't retroactively break the June and September instalments — the law lets you pay the tax on it in the instalments remaining after it arises (or by 31 March if it lands after 15 March). What it does not forgive is missing the next date. Re-run this planner after every liquidity event: an ESOP exercise, a share or property sale, a funding-round secondary.
How to actually pay
On the e-filing portal: e-Pay Tax → Advance Tax (challan 280 head), against your PAN, in minutes with net banking or UPI. The credit shows in your Form 26AS within days. Keep the challan — the counterfoil number goes into your return. NRIs can pay from abroad through net banking on an Indian account.
This planner is general information, not tax advice — estimating the year's income well is the real work. Speak with the Founders Tax desk for a quarterly estimate that holds up.
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