Section 80C Deduction Planner
Track all your Section 80C investments and see exactly how much tax you save. Max deduction: ₹1,50,000.
Last updated: April 2026
Total 80C Investments
₹0
Eligible Deduction
₹0
Tax Saved (30% slab)
₹0
Remaining 80C Room
₹1,50,000
What is Section 80C?
Section 80C of the Income Tax Act allows individual taxpayers and HUFs to claim deductions up to ₹1,50,000 per year on certain investments and payments. It is one of the most popular tax-saving provisions in India.
The deduction reduces your taxable income — so if you're in the 30% tax slab and utilise the full ₹1.5L limit, you save ₹46,800 in tax (including 4% cess).
How to use this calculator
- 1Enter each investment amount — Fill in the amounts you have invested or plan to invest in each eligible category.
- 2Select your tax slab — Choose 5%, 20%, or 30% depending on your taxable income after deductions.
- 3Check your 80C room — See how much of the ₹1.5L limit you have used and how much room remains.
- 4Optimise your portfolio — Add more ELSS, PPF, or NSC to fully utilise the ₹1.5L deduction limit.
Formula & example
Tax Saved = min(Total 80C Investments, ₹1,50,000) × Tax Slab Rate
Investment: EPF ₹21,600 + PPF ₹50,000 + ELSS ₹30,000 = ₹1,01,600
Eligible deduction = ₹1,01,600 (under limit)
Tax saved at 30% slab = ₹1,01,600 × 30% = ₹30,480
Benefits
Reduce taxable income
Up to ₹1.5L deducted from gross income before tax calculation.
Flexible options
Choose from 10+ investment types to suit your risk appetite and financial goals.
Compulsory savings counted
EPF and home loan principal you're already paying count towards the limit.
Additional NPS benefit
Extra ₹50,000 via 80CCD(1B) over and above this limit.
Use cases
Salaried employees
Check if your EPF and other mandatory deductions have already utilised the limit before making additional investments.
Self-employed professionals
Voluntarily invest in PPF, NPS, or ELSS to claim deductions you don't get automatically.
New tax filers
Understand which of your existing payments count as 80C so you don't miss any deduction.
Year-end tax planning
Check remaining 80C room in January-February to make last-minute investments before March 31.
Frequently asked questions
What is the maximum deduction under Section 80C?+
The maximum deduction under Section 80C is ₹1,50,000 per financial year. This limit is combined across all eligible investments and payments.
Which investments qualify under Section 80C?+
EPF, PPF, ELSS mutual funds, life insurance premiums, home loan principal repayment, NSC, children's tuition fees, 5-year tax saver FDs, Sukanya Samriddhi Yojana, and ULIP premiums all qualify.
Can I claim 80C if I choose the new tax regime?+
No. Section 80C deductions are not available under the new tax regime (optional regime). They are only available under the old tax regime.
Does EPF contribution count towards 80C?+
Yes, the employee's share of EPF contribution (12% of basic salary) qualifies under Section 80C within the ₹1.5L limit. The employer's contribution does not qualify.
Is there any additional deduction beyond ₹1.5L?+
Yes, Section 80CCD(1B) allows an additional ₹50,000 deduction for NPS contributions over and above the 80C limit, giving a combined potential deduction of ₹2,00,000.
Related articles
Section 80C: Complete Guide to Tax-Saving Investments in 2026
Detailed breakdown of all 80C eligible investments, their lock-in periods and returns.
ELSS vs PPF vs NPS: Which is Best for Tax Saving?
Comparing the three most popular 80C instruments on returns, liquidity and risk.
Last-minute 80C investments before March 31
What to buy before the financial year deadline to maximise your deductions.