Section 80C Tax Calculator
Section 80C lets you deduct up to ₹1,50,000 of specified investments and expenses from your taxable income. Enter what you have invested to see the deduction and how much tax it saves.
Results
Tax saved
₹46,800
- Eligible deduction
- ₹1,50,000
- Total 80C investments
- ₹1,50,000
- Unused 80C limit
- ₹0
- Above the limit (no benefit)
- ₹0
Your investments of ₹1,50,000 qualify for a deduction of ₹1,50,000 (limit ₹1,50,000), saving about ₹46,800 in tax at the 30% slab.
Show the calculation steps
- Total 80C investments = ₹1,50,000.
- Eligible deduction = the lower of the total and the ₹1,50,000 limit = ₹1,50,000.
- Tax saved = ₹1,50,000 × 30% × (1 + 4% cess) = ₹46,800.
- ₹0 of your investments is above the limit and gives no extra deduction.
- Section 80C is available only under the old tax regime. The limit and the list of qualifying investments are set by law and can change.
What qualifies
Common 80C items are EPF and VPF contributions, PPF, ELSS mutual funds, life insurance premiums, children's tuition fees, the principal part of a home loan EMI, tax-saving fixed deposits, NSC and Sukanya Samriddhi deposits.
Old regime only
Section 80C is available only under the old tax regime. Under the new regime you cannot claim it, so compare both regimes before you commit money to save tax.
Formula
Eligible deduction = the lower of total investments and ₹1,50,000
Tax saved = Eligible deduction × slab rate × (1 + 4% cess)
Where:
- Slab rate
- = Your highest marginal tax rate
Example calculation
₹1,50,000 of 80C investments at the 30% slab
Inputs
- EPF / VPF
- ₹60,000
- PPF
- ₹50,000
- ELSS Mutual Funds
- ₹40,000
- Life Insurance Premium
- ₹0
- Children's Tuition Fees
- ₹0
- Home Loan Principal Repaid
- ₹0
- Other 80C Investments (NSC, tax-saving FD, SSY...)
- ₹0
- Your Highest Tax Slab
- 30%
Result
- Tax saved
- ₹46,800
- Eligible deduction
- ₹1,50,000
- Total 80C investments
- ₹1,50,000
- Unused 80C limit
- ₹0
- Above the limit (no benefit)
- ₹0
Step-by-step
- Total 80C investments = ₹1,50,000.
- Eligible deduction = the lower of the total and the ₹1,50,000 limit = ₹1,50,000.
- Tax saved = ₹1,50,000 × 30% × (1 + 4% cess) = ₹46,800.
- ₹0 of your investments is above the limit and gives no extra deduction.
Important notes
- The ₹1,50,000 limit is set by law and is read from the tax configuration; check the current limit.
- Choose investments for their merits and lock-in, not only for the tax saving.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
What is the Section 80C limit?
₹1,50,000 a year, combined across all eligible investments and payments.
How much tax does 80C save?
The deduction multiplied by your slab rate, plus the cess on that tax. At the 30% slab a full ₹1.5 lakh saves about ₹46,800.
Can I claim 80C in the new tax regime?
No, 80C is available only in the old regime.
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