Section 80D Calculator — Health Insurance Tax Benefit FY 2025-26
Calculate your Section 80D tax deduction for health insurance premiums paid for self, spouse, children, and parents. Limits: ₹25,000 (below 60) or ₹50,000 (senior citizen 60+) per category. See your eligible deduction, actual tax saved, unused headroom, and combine with 80C and NPS for total tax savings. Available under the old tax regime only.
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How to Use This Calculator
80D Tax Saving tab
Enter the annual health insurance premium you pay for self + family (spouse and dependent children) and parents separately. Add any preventive health check-up expenses (up to ₹5,000, which is INCLUDED within the limits, not extra). Select your and your parents' age category — senior citizens (60+) get the higher ₹50,000 limit instead of ₹25,000. Choose your tax slab to see the actual tax saved in rupees.
Maximize 80D tab
See how much of your Section 80D limit you have used vs unused. The calculator shows headroom in both the self and parents buckets, and gives you a specific recommendation: "Top up self premium by ₹X, parents premium by ₹Y to save ₹Z more in tax." This helps you decide whether to upgrade your health insurance plan.
80D + 80C + 80CCD Combined tab
See your total tax saving from all major old-regime deductions in one place: Section 80C (₹1.5L for EPF, PPF, ELSS, etc.), Section 80D (health insurance), and Section 80CCD(1B) (₹50K NPS). This gives you the full picture of how much tax you are saving under the old regime.
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The Formula
Section 80D tax saving is calculated based on health insurance premiums paid and the taxpayer's marginal tax slab rate:
Self Limit = ₹25,000 (below 60) or ₹50,000 (senior citizen 60+)
Self Eligible = min(Premium + Preventive Check-up, Self Limit)
Parents Deduction:
Parents Limit = ₹25,000 (below 60) or ₹50,000 (senior citizen 60+)
Parents Eligible = min(Parents Premium, Parents Limit)
Total 80D Deduction:
Total = Self Eligible + Parents Eligible
Tax Saved = Total × Tax Slab Rate
Cess Saved = Tax Saved × 4%
Total Tax Saved = Tax Saved + Cess Saved
Maximum 80D Deduction Scenarios:
Both below 60: ₹25,000 + ₹25,000 = ₹50,000
Self below 60, parents 60+: ₹25,000 + ₹50,000 = ₹75,000
Both 60+ (senior citizens): ₹50,000 + ₹50,000 = ₹1,00,000
Maximum Tax Saving (at 30% slab + 4% cess):
Both below 60: ₹50,000 × 31.2% = ₹15,600/year
Self below 60, parents 60+: ₹75,000 × 31.2% = ₹23,400/year
Both 60+: ₹1,00,000 × 31.2% = ₹31,200/year
Preventive Health Check-up:
Up to ₹5,000 — INCLUDED within the above limits (not extra).
Can be paid in cash (only 80D expense allowed in cash).
The ₹5,000 preventive health check-up is subsumed within the ₹25,000/₹50,000 ceiling. If your premium alone exceeds the limit, the check-up adds no extra deduction. Section 80D is available only under the old tax regime.
Example
Priya — Bengaluru marketing manager, ₹14L salary, 30% slab, old regime
Priya is 32 years old and pays health insurance for herself and her parents. Her father is 63 (senior citizen). She wants to know her 80D tax saving and whether she can save more.
Step 1: Current premiums
Step 2: Calculate eligible deduction
Step 3: Calculate tax saved (30% slab)
Step 4: Maximize by filling the gap
Priya saves ₹17,160 via Section 80D. By topping up her parents' health insurance premium by ₹20,000 (from ₹30,000 to ₹50,000), she can save an additional ₹6,240/year in tax while getting better health coverage for her senior citizen parents.