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Compare the tax on your freelance income under section 44ADA (section 58 of the Income-tax Act, 2025) and on actual income, under the new regime for FY 2026-27 (AY 2027-28, 1 April 2026 to 31 March 2027). It is an estimate: confirm it with a chartered accountant.
| 44ADA | Actual income | |
|---|---|---|
| Taxable income | ₹0 | ₹0 |
| Income tax (new regime) | ₹0 | ₹0 |
| Cess (assumed 4%) | ₹0 | ₹0 |
| Total tax | ₹0 | ₹0 |
| Left after expenses and tax | ₹0 | ₹0 |
| After TDS already deducted | ₹0 | ₹0 |
Estimate for FY 2026-27 (AY 2027-28, 1 April 2026 to 31 March 2027), checked on 9 November 2026. Not tax advice. Confirm with a chartered accountant.
It leaves out surcharge (so high incomes are understated), other income, the old regime, deductions and personal contributions. The slabs and limits come from secondary sources, because official pages could not be opened when we checked. Use the result to compare options, then confirm with a chartered accountant.
Whether a developer, designer, writer or trainer can use 44ADA depends on the activity and is not settled. The calculator does not decide this: read our section 44ADA guide and ask a chartered accountant.
See freelance jobs, free with an accountValid for FY 2026-27 (AY 2027-28, 1 April 2026 to 31 March 2027), checked on 9 November 2026. General information only, not tax or legal advice. These figures come from secondary sources such as ClearTax, Taxguru and Business Today: official pages could not be opened when we checked. Confirm your situation with a chartered accountant (CA) before you act.
Sources: ClearTax on section 44ADA, ClearTax old and new section numbers, Business Today on FY 2026-27 slabs, BankBazaar income tax slabs, Taxguru on TDS rates under the 2025 Act.
How does the freelance tax calculator work?
Enter your gross receipts, your actual expenses and any TDS already deducted. It applies the new regime slabs to two figures: 50% of your receipts under 44ADA, and receipts minus actual expenses. It shows the tax for each, and the balance after TDS.
Is 44ADA available to me?
Only if your receipts are within the limit and your profession qualifies. Whether developers, designers, writers and trainers qualify is not settled, so check with a chartered accountant. The calculator shows the 44ADA figures assuming you qualify.
What is the tax on ₹30 lakh of receipts under 44ADA?
Under 44ADA, taxable income is ₹15 lakh. Slab tax under the new regime is ₹1,05,000, with an assumed cess of ₹4,200, for a total of ₹1,09,200.
Does TDS change the tax?
No. TDS and advance tax change when you pay, not how much you owe. The calculator subtracts the TDS you enter to show what is left to pay.
Why can actual income be better than 44ADA?
Because 44ADA treats 50% of receipts as income whatever your costs. If your real expenses are above 50% of receipts, the actual route can give a lower tax, but you then need to maintain books and may need an audit.
What does the calculator not include?
Surcharge, other income, deductions, the old regime and personal contributions such as insurance or retirement savings. It is an estimate only.
