The APIT year tracker checks whether the tax withheld so far in the tax year (April–March) matches what is due. Your cumulative earnings are annualised — projected to a full year (× 12 / months elapsed) — and taxed under the current APIT slabs with the Rs 1,800,000 relief. The tax due to date is then compared with what your employer has already withheld.

Salary-to-date Rs 900,000 at the end of month 6 → annualised Rs 1,800,000. After the Rs 1,800,000 relief the taxable income is zero, so APIT due to date is Rs 0. If Rs 30,000 has already been withheld, the tool shows a credit of Rs 30,000 — money that reconciles against your final liability.

If instead you are on track to earn above the relief, the tool shows the balance due for the rest of the year and a suggested monthly top-up — handy when you switch jobs mid-year and the new employer's tables start afresh.

EPF/ETF contributions are not deductible for APIT, so they are not part of this calculation. Annualised figures are estimates; your final liability is settled when your tax return for the year of assessment is filed.