80C Calculator
Calculate deductions under Section 80C and tax saved from EPF, PPF, ELSS, insurance and more.
What is 80C Calculator?
Section 80C of the Income Tax Act allows you to claim a deduction of up to ₹1.5 lakh on eligible investments and expenses. An 80C calculator helps you plan your tax-saving investments.
Popular 80C instruments include PPF, ELSS, EPF, NSC, life insurance premiums, and tuition fees for children.
How does the 80C Calculator work?
The deduction is capped at ₹1.5 lakh per financial year, reducing your taxable income by that amount.
The calculator sums up your 80C investments and shows the tax saved based on your tax slab and regime.
How to use the 80C Calculator?
- Enter your annual income and tax regime.
- Enter your investments in PPF, ELSS, EPF, NSC, and other 80C instruments.
- The calculator shows your total deduction and tax saved.
Example
Try the calculator with your own numbers
- Enter your values in the input fields above.
- Adjust the values to match your situation.
- The result updates instantly as you change the inputs.
Benefits of using the 80C Calculator
- Maximize your tax savings up to ₹1.5 lakh.
- Build a diversified investment portfolio.
- Plan investments before the financial year ends.
- Understand which instruments suit your goals.
Who should use the 80C Calculator?
- Individuals planning loans, investments, or retirement savings.
- Salaried employees estimating taxes, EMIs, and take-home pay.
- Small business owners tracking costs, margins, and cash flow.
- Students learning personal finance and investment concepts.
Tips for getting the most out of the 80C Calculator
- Use realistic return rates — past performance does not guarantee future returns.
- Re-run the calculation whenever your income, expenses, or goals change.
- Compare a few scenarios (conservative, moderate, aggressive) before making a decision.
Frequently Asked Questions
Which investments qualify for 80C?
PPF, ELSS, EPF, NSC, 5-year FDs, life insurance premiums, Sukanya Samriddhi Yojana, and children's tuition fees are the main 80C instruments.
Is the 80C deduction available in the new regime?
No, the new tax regime does not allow 80C deductions. You must choose the old regime to claim them.
What is the maximum 80C deduction?
The maximum deduction under Section 80C is ₹1.5 lakh per financial year.
Planning your finances is easier when you can see the numbers clearly. Use this calculator regularly to stay on top of your goals and make informed decisions.
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