Freelancer In-Hand Income Calculator
See exactly how much money hits your bank account after GST and TDS deductions.(No Excel. No confusion. Real bank credit.)
Freelancer In-Hand Income Tool
Forward: Enter your fee (taxable value). We show invoice, TDS and bank credit.
Who is this tool for?
Perfect For
- Freelancers & Consultants (often 194J)
- Marketing Agencies & Dev Shops
- Contractors / services (often 194C)
Not For
- Salaried employees (use tax regime tool)
- Goods sellers (TDS often differs)
- Some international client setups (TDS rules differ)
Where does your money go? (The TDS cycle)
Raise Invoice
You bill fee + GST
Client Deducts
TDS is withheld
Client Deposits
Deposits to Govt
Check 26AS
Verify credit
Claim Refund
Adjust/refund via ITR
Common Freelancer Mistakes
Not sharing PAN can trigger higher TDS
If PAN is missing/incorrect, clients may deduct at a higher rate under applicable provisions. Always add PAN on every invoice and share it with the client.
Treating GST as income
GST you collect is not your income. Plan cashflow so you don’t accidentally spend your tax liability.
Ignoring Form 26AS / AIS
If the TDS credit doesn’t reflect in your tax statements, claiming it becomes difficult. Check quarterly and follow up early.
The math behind your in-hand pay
The golden formula
Total Invoice = Fee + (Fee × GST)
TDS Deduction = Fee × TDS (commonly on base fee)
In-Hand = Total Invoice − TDS Deduction
Example: ₹1,00,000 fee
Imagine you bill a client for a service fee of ₹1,00,000.
- You add 18% GST: ₹18,000.
- Total invoice: ₹1,18,000.
- TDS is commonly computed on base fee: ₹10,000 (10% of ₹1,00,000).
- Bank credit: ₹1,18,000 − ₹10,000 = ₹1,08,000.
If your client deducts on invoice (base + GST), the deduction becomes larger — the tool includes a toggle for that scenario.
Which section are you? (194J vs 194C)
| Profession / Service | Section (common) | TDS rate (typical) |
|---|---|---|
| Software / Design / Legal / Consulting | 194J (often) | 10% |
| Content creator / writer (varies by contract) | 194J / 194C (varies) | 1% / 2% / 10% (varies) |
| Call center / BPO (varies) | Depends on nature of payment | Varies |
| Contractor / manpower / services | 194C (often) | 1% / 2% |
Note: Actual applicability depends on contract terms and the nature of payment. Use this table as a quick guide, not legal advice.
Quick notes
Why use this tool?
- 100% Private
Data stays on your device.
- Reverse calculation
Know in-hand? Estimate required fee.
- Real-world toggle
Estimate TDS on fee vs invoice.
Quick facts
- Typical 194J10%
- Missing PAN riskHigher TDS
Check your 26AS / AIS
If credit doesn’t show in 26AS/AIS, claiming it becomes harder. Check quarterly.
New to GST?
Check eligibility limit →Unspoken Questions (what nobody tells you)
Q. My client didn't ask for my PAN. Is that okay?
No. Always provide PAN details correctly. Missing/incorrect PAN can lead to higher TDS deductions under applicable provisions.
Q. I work with US/UK clients. Do they deduct TDS?
Often not in the same way as Indian clients, but taxability still depends on your residency and Indian filing requirements. Use this tool mainly for India-client invoice flows.
Q. My total income is only ₹4 lakhs (tax-free). Do I still lose TDS?
It isn't necessarily lost—TDS is generally an advance tax credit. If your final tax is lower, you may be able to claim a refund after filing (subject to your case).
Q. Is the threshold per invoice or per year?
Thresholds differ by section and payee type and can change. In many cases they are considered on an aggregate basis—confirm the rule applicable to your section and contract.
Q. Client deducted TDS on the GST amount too. Is that correct?
If GST is shown separately, TDS is generally computed on the base fee. Some clients still deduct on invoice; use the “TDS on invoice” toggle to estimate impact and discuss with accounts.
Q. What if the client deducted TDS but didn't deposit it?
Check Form 26AS/AIS periodically. If the credit doesn't appear, follow up quickly—credit mismatch can block your claim.
Q. Is TDS a loss for freelancers?
Usually not. TDS is an advance tax credit. If it reflects in 26AS/AIS and you file correctly, it can be adjusted against final tax or refunded depending on your case.
Q. Can I use this tool if I’m not registered under GST?
Yes. If you are not GST-registered (and not required to be), you typically won’t charge GST. Use GST rate = 0% in the tool to estimate TDS-only bank credit.
Sources & verification
This tool estimates bank credit based on the invoice flow shown on the page. Results can differ when: GST is not shown separately, invoice has mixed items/rates, reimbursements are involved, or client applies a different deduction base.
Use the toggle for “TDS on invoice” if your client deducts on total invoice (base + GST). For filing, always verify with official statements and your CA.