I paid some advance tax already, how much more now

June challan is sitting in a file. September still wants more. I opened the file under the counter. Yellow paper. Tea ring on the corner. Amount was not nothing. Amount was also not 45 percent.

People think one challan in June means September is optional. It is not. Typical cuts. 15 percent by June. 45 by September. 75 by December. 100 by March. You add. You dont replace.

If you want already paid vs what is usually due by this instalment, open Advance tax shortfall on PayByDate. Type what you paid. Type what you think the year tax is. Read the gap. Then pay on the official portal.

This is an estimate. Confirm on the official portal.

How I read the June paper

June I paid 12,000. I thought I was a good boy. Year tax guess now in September is 80,000 after TDS. 45 percent of 80,000 is 36,000. I already paid 12,000. More now is 24,000. Not zero. Not 36,000 again.

If I pay 36,000 again I overpay. If I pay nothing I underpay. Shortfall tool is for this exact mood.

Last year my guess in June was small. Shop ran better. September guess went up. So even the 15 percent of the old guess was not 15 percent of the new guess. I had to catch two things. Higher cake. And the 45 line.

That is why I redo the annual estimate every instalment. Not once in April and sleep.

Advance tax calculator splits a fresh annual number. Shortfall tool cares what you already put in the bank towards advance tax.

Dont mix GST challan into already paid. Different tax. I have seen a man add GSTR-3B payment into advance tax paid. No.

TDS is also already paid in a sense. I reduce it when I make the year tax leftover. Story: TDS deducted, do I reduce it from advance tax. Then advance tax challans are on top of that leftover.

September math on the counter

Paper lines I write.

A. Year tax guess after rebate mood, before advance challans.

B. TDS and other prepaid that is not my advance challan.

C. Tax still to be paid as advance = A minus B. If this is small, maybe I am in the salary-only street. Salary only, do I still pay advance tax.

D. Advance challans already done. June. Maybe a random July payment.

E. Need by 15 Sep = 45 percent of C.

F. More now = E minus D. If negative I drink tea and dont pay. If positive I pay F.

I do not swear 45 percent as law on a blog. Typical pattern. Official can have exceptions. Confirm.

If June was missed, D is zero or tiny. F is almost E. That bite is here: Missed June instalment, what happens in September.

If you want the 45 percent story from the start: Advance tax 15 September, how much is the 45 percent cut.

When already paid is in the wrong place

Paid as self assessment last year. That is last year. Not this June.

Paid in wife’s PAN. Kind. Useless for your shortfall.

Paid but challan failed. UPI pending. You thought D includes it. Bank says no. Check CIN.

Paid after 15 June but you still count it for June cut. Timing people argue about. I look at the challan date. I dont backdate in my notebook.

Paid too much in June. September F can be small. Dont hunt to pay a minimum for luck.

First time you filled a wrong minor head. Money may sit in a cupboard the portal does not apply the way you think. First time advance tax, which box to fill first. I am not a challan priest. If it looks wrong, CA or the portal help, not a WhatsApp uncle.

Interest and the gap

If F is big and you skip, 234C mood later. I felt it when I filed. Second instalment missed last year, interest.

If F is 2,000 and you skip, maybe small interest. I still pay if I am at the portal anyway. 2,000 is two days of shop tea and a bit more. Peace is cheaper.

If year tax guess is wrong by a lot, F is wrong. December you fix. That is allowed in real life. Estimates move.

Freelancer 9 lakh with lumpy receipts, June paid on a quiet quarter, September invoice dumped. F jumps. Advance tax for freelancer 9 lakh.

AIS extra interest you did not earn can scare the guess. Check bank first. AIS shows extra interest I did not earn. Dont inflate C on a ghost line.

What I keep in the file

June challan. Any extra challan. TDS worksheets. A page with A to F.

Tonk Road shop does not have a CA on retainer every week. This file is my CA when CA is in a wedding.

Phone. Advance tax shortfall. Advance tax calculator. TDS quick estimate if a client just cut a new 10 percent.

Form 16 if salary also sits in the family. Late Form 16, salary slips still help. Form 16 not given, can I still estimate tax.

Old vs new regime if I change my mind in September. Old vs new regime estimate. Then new C. Then new F.

If tool and official later differ by 2,000, I dont fight the internet. Why official tax and this calculator differ by 2,000.

Mistakes on “how much more”

Subtracting June from year tax and paying that whole leftover in September. That is marching to 100 percent in September. Too early. Cash dies. Shop stock suffers.

Paying the same 12,000 again because “instalment means equal”. Instalments are not equal. 15, then jump to 45, then 75, then 100. The jumps are 15, 30, 30, 25 in the typical talk. June 15. Sep extra 30. Dec extra 30. Mar extra 25. Only if the cake C never changed.

Forgetting D includes a September early payment you made on 1 Sep. Then you pay F twice.

Using GST 3B tax as C. Output GST is not income tax.

Writing F on WhatsApp to a friend and paying his number. Your notebook, your PAN.

15 September week I still pay even if June exists

I pick 13th or 14th. Less freeze. GST 11th I already survived. EPF 15th if staff. Brain is fried. Advance tax I do before EPF if cash is one pot. Two pots is better. I am not always better.

Working days: Working days calculator.

After I pay the more-now amount, I write new D. D becomes June plus September. December I will open this same file. Same tea stain. New F.

This is an estimate. Confirm on the official portal.

I am not the Income Tax Department. PayByDate is a helper. Official site wins. If 15 September moves, look there, not at the yellow paper under my counter.

June was not a full meal. September still wants more. Pay the gap. Open shop.