What a online tutor pays at different income levels for TY 2026-27, which expenses count, and how TDS, GST and presumptive tax apply.
Quick answer
A online tutor with ₹6 lakh of yearly receipts and about 15% in business expenses pays roughly ₹0 in income tax for TY 2026-27 under the better regime: about 0.0% of receipts. Income is taxed as business or professional income at slab rates.
| Early career | Established | Top earner | |
|---|---|---|---|
| Yearly receipts | ₹1,50,000 | ₹6,00,000 | ₹20,00,000 |
| Expenses (~15%) | ₹22,500 | ₹90,000 | ₹3,00,000 |
| Tax: new regime | ₹0 | ₹0 | ₹1,45,600 |
| Tax: old regime (no deductions) | ₹0 | ₹15,080 | ₹3,35,400 |
| Tax with presumptive (58) | ₹0 | ₹0 | ₹0 |
| GST registration | Not yet | Not yet | Not yet |
Estimates for Tax Year 2026-27 · Income-tax Act, 2025. Residents, no other income or deductions. Presumptive column uses section 58.
Calculate your own taxUsually 44AD, not 44ADA
Coaching is usually treated as a business, so 44AD may apply instead of 44ADA. Confirm with a CA.
Compare presumptive vs actualEdtech platforms usually deduct 10% u/s 194J. Individual students do not deduct TDS.
Private tutoring attracts 18% GST once registered (services by recognised schools are exempt, private coaching generally is not). Threshold ₹20 lakh in most states.
Only with regular books, not under presumptive taxation.
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