💸 Get Your Money Back
Tax Refund Calculator
Estimate your income tax refund by comparing TDS deducted & advance tax paid against your actual tax liability. See refund amount, interest under Section 244A, and processing timeline.
Your Tax Details
💰 Income & Tax Liability
Gross Total Income (Annual)
Total Deductions (80C, 80D, etc.)
Tax Regime
Age Category
🏦 Taxes Already Paid
TDS on Salary (Form 16)
TDS on Other Income (26AS)
TCS Collected (if any)
Advance Tax Paid
Self-Assessment Tax (if any)
Your Estimated Refund / Due
Tax Computation
Taxable Income₹0
Tax on Income₹0
Surcharge₹0
Health & Edu. Cess (4%)₹0
87A Rebate₹0
Total Tax Liability₹0
Taxes Already Paid
TDS (Salary + Other)₹0
TCS + Advance + Self-Assess.₹0
Total Taxes Paid₹0
Effective Tax Rate
On Gross Income0%
📅 Refund Timeline
1File ITR before due date (July 31 / Oct 31 for audit cases)
2E-verify within 30 days (Aadhaar OTP / Net Banking / DSC)
3Processing by CPC Bengaluru — typically 20-45 days
4Refund credited to bank linked with PAN (pre-validated required)
5Interest u/s 244A @ 6% p.a. if delay is by the department
Understanding Tax Refunds
💸
When Do You Get a Refund?
You get a refund when the total TDS deducted, advance tax paid, and TCS collected exceeds your actual tax liability. Common for salaried employees who have higher TDS than actual tax.
📋
Form 26AS & AIS
Check your Form 26AS and Annual Information Statement (AIS) on the IT portal to verify all TDS/TCS credits. Mismatches between 26AS and your return can delay refund processing.
⚡
Speed Up Your Refund
File early, e-verify immediately, pre-validate your bank account, and ensure correct bank details. Avoid mismatches in income reporting to prevent notices and delays.
Frequently Asked Questions
How long does it take to get a tax refund? ▼
Typically 20-45 days after e-verification. File early and e-verify immediately for fastest processing. Refunds for returns filed before July 31 usually arrive by September-October. Late filing or discrepancies can cause delays.
Do I get interest on my refund? ▼
Yes, under Section 244A, the IT department pays 6% p.a. simple interest on refunds. Interest runs from April 1 of the assessment year or date of tax payment (whichever is later) to the date of refund. No interest if refund is less than 10% of assessed tax.
Why is my refund less than expected? ▼
Common reasons: (1) Outstanding tax demand from earlier years adjusted against refund, (2) TDS mismatch between 26AS and your return, (3) Interest income or other income not reported that the department added. Check your intimation u/s 143(1) for details.
Is the refund amount taxable? ▼
The refund itself is not taxable as it's your own money returned. However, the interest received on the refund (under Section 244A) is taxable under "Income from Other Sources" and must be reported in next year's ITR.