Section 80C Tax Planner
Track all your 80C investments in one place. See how much of the ₹1.5 lakh cap you've used, remaining room, and exact tax savings.
Cap limits (PPF ₹1.5L, SSY ₹1.5L) validated automatically. The estimate above updates live as you type.
Get a Personalised Tax-Saving Plan from a CA
Our experts analyse your full income profile and recommend the best 80C allocation plus other deductions.
- Enter your annual amounts for EPF, PPF, ELSS, LIC, NSC, SCSS, SSY, tuition, home loan principal and tax saver FD.
- Watch the live bar show how much of the ₹1.5L cap you have used.
- Select your tax regime and your applicable slab rate of 5%, 20% or 30%.
- Click Calculate to see eligible deduction, remaining room and exact tax saved.
What is the Section 80C limit?
The maximum deduction under Section 80C is ₹1,50,000 per financial year. This is a combined cap across all 80C instruments like EPF, PPF, ELSS, LIC and NSC.
What is the maximum deduction allowed under Section 80C?
Under Section 80C of the Income Tax Act, 1961 (applicable up to FY 2025-26), the maximum deduction is Rs 1,50,000 per financial year. From FY 2026-27 onwards, the equivalent provision under the Income Tax Act, 2025 applies.
Is 80C available in the New Regime?
No. Section 80C deductions are available only under the Old Tax Regime. If you use the New Regime, these investments do not reduce your taxable income.
Which investments qualify for 80C deduction?
Eligible investments include PPF, ELSS mutual funds, NSC, 5-year tax-saving FDs, life insurance premiums, EPF contributions, Sukanya Samriddhi Yojana, and home loan principal repayment. ELSS has the shortest lock-in of 3 years among these.
How much tax can 80C save me?
It depends on your slab. A full ₹1.5L deduction saves about ₹7,800 at the 5% slab, ₹31,200 at 20%, and ₹46,800 at the 30% slab, including 4% cess.
Can I claim 80C deduction in the new tax regime?
No. The new tax regime under Section 115BAC does not allow deductions under Section 80C. You must opt for the old tax regime to claim 80C benefits. The 80C planner is relevant only if you choose the old regime.
Can I claim more than ₹1.5L for retirement?
Yes. Beyond the ₹1.5L 80C cap, Section 80CCD(1B) allows an extra ₹50,000 for NPS, taking the combined deduction up to ₹2L.
Is there any benefit beyond Rs 1.5 lakh under Section 80C?
Yes. You can claim an additional Rs 50,000 under Section 80CCD(1B) for NPS contributions, taking the total to Rs 2,00,000. Home loan interest up to Rs 2,00,000 is separately deductible under Section 24(b).
What is the deadline to make 80C investments for a financial year?
Investments must be made before 31 March of the relevant financial year to qualify for that year's deduction. For example, investments for FY 2025-26 must be completed by 31 March 2026.
Can a salaried employee and a self-employed person both claim 80C?
Yes, both salaried and self-employed individuals can claim 80C deductions. Salaried employees typically invest through EPF and LIC, while self-employed individuals must make voluntary contributions to PPF, ELSS, or NPS to claim the benefit.
Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.