80C Deduction Calculator
TaxCalculate your Section 80C tax savings for FY 2025-26. Enter EPF, PPF, ELSS, and other investments to find deductions and tax saved under the old regime.
Written by Anurag Rath Ā· Reviewed by the thecalcu.com team Ā· Last updated 29 June 2026
Eligible Deduction (max ā¹1.5 lakh)
Breakdown
How the total splits
What is a 80C?
An 80C Deduction Calculator helps you calculate your total Section 80C investments, the eligible deduction (capped at ā¹1,50,000), and the tax saved at your income slab. Section 80C is the most widely used tax-saving provision in India, virtually every salaried taxpayer with EPF, PPF, LIC, or a home loan benefits from it under the old regime.
The calculator aggregates all eligible investments into a single total, applies the ā¹1,50,000 limit, and shows the tax saved both at your actual slab rate and at the maximum 30% slab, useful for understanding the opportunity cost of unused 80C room.
Important: Section 80C deductions are only available under the old tax regime. If you have opted for the new regime, this calculator does not apply to your situation. Use the Income Tax Calculator to determine which regime is better for you.
Section 80C covers investments and expenses across multiple categories:
- Compulsory savings: EPF contribution (automatic for salaried employees)
- Voluntary tax-saving investments: PPF, ELSS, NSC, Tax Saving FD, SCSS
- Insurance: LIC and other life insurance premiums
- Property: Home loan principal repayment
- Education: Children's school tuition fees (up to 2 children)
- Welfare schemes: Sukanya Samriddhi Yojana for girl children
Related calculators: Income Tax Calculator for overall tax, PPF Calculator for PPF maturity and returns, and Home Loan EMI Calculator for the principal/interest split.
Why Use an 80C Deduction Calculator?
Most taxpayers know they "should invest ā¹1.5 lakh for 80C" without tracking exactly how much they have already invested through EPF, premiums, and other automatic deductions. This calculator shows the full picture: how much you have already invested, how much room remains, and the exact tax saving.
Without this clarity, two common mistakes occur: under-utilising the limit (leaving tax savings on the table) or over-investing in 80C products when the limit is already maxed by EPF and other automatic deductions.
Who Should Use This Calculator?
Salaried employees, tracking total EPF contributions, insurance premiums, and other auto-deductions against the ā¹1.5 lakh limit before deciding on additional voluntary investments.
First-time taxpayers, understanding which investments qualify and how they interact with automatic deductions like EPF.
Financial advisors, quickly showing clients the tax benefit of utilising remaining 80C room through ELSS or PPF.
Parents with girl children, evaluating Sukanya Samriddhi Yojana as a combined education savings and tax-saving vehicle.
What Insights Does the 80C Deduction Calculator Give You?
Total 80C Investments, the sum of all eligible investments/expenses, before the cap.
Eligible Deduction, the actual deduction you can claim: min(Total, ā¹1,50,000). If your total exceeds ā¹1.5 lakh, the excess provides no additional benefit.
Tax Saved at Your Slab, the real rupee saving based on your marginal tax rate plus cess.
Remaining 80C Room, if positive, this is the additional investment you can make to further reduce tax. A ā¹20,000 remaining room in the 30% slab represents ā¹6,240 in additional tax savings (ā¹20,000 Ć 30% Ć 1.04).
How to use this 80C calculator
- Enter each eligible investment category, EPF, PPF, ELSS, LIC, etc.
- For EPF: use your annual employee contribution (monthly EPF deduction Ć 12).
- For home loan: enter only the principal repayment portion (not interest).
- Select your Income Tax Slab, the slab rate your income falls in under the old regime.
- The Eligible Deduction shows the deductible amount (max ā¹1.5 lakh).
- Tax Saved at Your Slab shows the rupee benefit from 80C.
- If Remaining 80C Room is positive, consider investing that amount in ELSS (highest returns, 3-year lock-in) or PPF (risk-free, 7.1%).
Show formula & methodology āHide formula & methodology ā
Formula & Methodology
Eligible Deduction: min(total 80C investments, ā¹1,50,000)
Tax Saved: Eligible Deduction Ć (Slab Rate Ć· 100) Ć 1.04 (the 1.04 factor accounts for the 4% Health & Education Cess)
Tax saving reference table at full ā¹1.5 lakh utilisation:
| Slab Rate | Tax Saved (ā¹1,50,000) |
|---|---|
| 5% | ā¹7,800 |
| 10% | ā¹15,600 |
| 15% | ā¹23,400 |
| 20% | ā¹31,200 |
| 25% | ā¹39,000 |
| 30% | ā¹46,800 |
Key 80C instruments reference:
| Instrument | Returns | Lock-in | Risk |
|---|---|---|---|
| EPF | 8.25% (FY 24-25) | Until retirement | Very Low |
| PPF | 7.1% | 15 years | Very Low |
| ELSS | 12ā15% (historical) | 3 years | High |
| NSC | 7.7% | 5 years | Very Low |
| Tax Saving FD | 6.5ā7.5% | 5 years | Very Low |
| SSY | 8.2% | Until girl turns 21 | Very Low |
| NPS (80CCD 1) | 8ā10% (historical) | Until age 60 | Medium |
Frequently Asked Questions
What is Section 80C deduction?
Which investments qualify under Section 80C?
What is the maximum deduction under Section 80C?
Is Section 80C available under the new tax regime?
Which 80C investment gives the best returns?
Is EPF automatically included in 80C?
Can I claim home loan principal under 80C?
How is Section 80C tax saving calculated?
What is Sukanya Samriddhi Yojana (SSY) under 80C?
Is the 80C limit likely to increase?
Planning a income tax optimiser?
This calculator is step 3 of 4 in our Income Tax Optimiser.