Section 80C Tax Saving Calculator — FY 2025-26
Plan your Section 80C investments to maximize the ₹1,50,000 deduction limit. Map EPF, PPF, ELSS, LIC, tuition fees, and more to find your 80C gap. Calculate actual tax saved at your slab rate, add the extra ₹50,000 NPS deduction via 80CCD(1B), and compare all 80C instruments side by side. Available under the old tax regime only.
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How to Use This Calculator
My 80C Planner tab
Enter each of your Section 80C investments — EPF contribution, PPF, ELSS, LIC premium, tuition fees, tax-saving FD, NSC, home loan principal, and NPS. The calculator adds them up and shows how much of the ₹1,50,000 limit you have used, the remaining gap, and a recommendation for which instrument to invest in to fill the gap. If you have a daughter, enable the toggle to get Sukanya Samriddhi recommendations.
Tax Saving tab
See the actual tax saved in rupees based on your total 80C deduction and your tax slab rate under the old regime. Optionally enable the 80CCD(1B) NPS toggle to add an extra ₹50,000 deduction over and above the ₹1.5L limit. The calculator shows income tax saved, 4% cess saved, and monthly tax saving.
Instrument Comparison tab
Compare all 8 Section 80C instruments side by side — returns, lock-in period, risk level, and tax treatment. See the decision matrix showing the best instrument for returns (ELSS), safety (PPF), daughter (SSY), and liquidity (ELSS 3yr lock-in). Effective post-tax returns at the 30% slab are shown for each instrument.
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Every input is encoded in the URL. Click Share to send your exact 80C plan to a friend, CA, or save it for later reference.
The Formula
Section 80C tax saving is calculated based on your total qualifying investments and your marginal tax slab rate:
Deductible = min(Total 80C Investments, ₹1,50,000)
Tax Saved = Deductible × Tax Slab Rate
Cess Saved = Tax Saved × 4%
Total Tax Saved = Tax Saved + Cess Saved
Section 80CCD(1B) — Additional NPS:
NPS Deduction = min(NPS Contribution, ₹50,000)
Additional Tax Saved = NPS Deduction × Tax Slab Rate × 1.04
Maximum Tax Saving (at 30% slab):
80C alone: ₹1,50,000 × 30% × 1.04 = ₹46,800/year
80CCD(1B): ₹50,000 × 30% × 1.04 = ₹15,600/year
Combined maximum: ₹62,400/year
Effective Post-Tax Returns (30% slab):
PPF: 7.1% (fully tax-free, EEE)
SSY: 8.2% (fully tax-free, EEE)
ELSS: ~12.2% effective (14% CAGR minus 12.5% LTCG above ₹1.25L/FY)
Tax-saving FD: ~4.6% effective (6.5% minus 30% tax on interest)
NSC: ~5.4% effective (7.7% minus 30% tax on interest)
The ₹1,50,000 limit is shared across 80C, 80CCC (pension plans), and 80CCD(1) (NPS employee contribution). The 80CCD(1B) NPS deduction of ₹50,000 is separate and over and above this limit. All these deductions are available only under the old tax regime.
Example
Rohit — Pune software engineer, ₹15L salary, 30% slab, old regime
Rohit earns ₹15,00,000 per year (basic ₹6,00,000). He has EPF auto-deducted, pays LIC premium, and his daughter's school tuition. He wants to know if he should invest more to fill the 80C gap.
Step 1: Map current 80C investments
Step 2: Fill the gap
Step 3: Calculate tax saved (30% slab)
Step 4: Add NPS 80CCD(1B) for extra saving
Rohit saves ₹46,800 via Section 80C and an additional ₹15,600 via NPS 80CCD(1B), for a grand total of ₹62,400 in annual tax savings. He also invests ₹50,000 in Sukanya Samriddhi for his daughter at 8.2% tax-free — but this comes from the 80C basket (included in the ₹1.5L).