Section 80C Deduction Tax Calculator & Optimizer
Input your current PPF, EPF, ELSS, insurance premiums, and other expenses to see how much more you can invest to save tax for FY 2025-26.
Regime & Slabs
Your 80C Investments
Calculation Methodology & Rules
The Section 80C Deduction Optimizer allows you to calculate your current investments and find the remaining headroom to reach the maximum limit of ₹1.5 Lakhs. It estimates your tax savings based on your regular slab rates. Learn more about the options in our comprehensive Section 80C Investment Guide.
Common Section 80C Instruments compared
| Instrument Name | Type of Asset | Lock-in Period | Historical Return / Rate |
|---|---|---|---|
| ELSS Mutual Funds | Equity (Market) | 3 Years | 12-15% (Variable) |
| PPF (Public Provident Fund) | Debt (Govt-backed) | 15 Years | 7.1% (Fixed but revised quarterly) |
| EPF (Employee PF) | Debt (Retirement) | Till retirement | 8.1-8.25% (Fixed) |
| Tax-Saver bank FD | Debt (Bank deposit) | 5 Years | 6.5-7.5% (Fixed) |
| Sukanya Samriddhi (SSY) | Debt (Girl child) | Till age 21 | 8.2% (Fixed) |
Disclaimer
This tool is for informational purposes only and does not constitute regulated financial, tax, or investment advice. Deductions are subject to the rules of the Income-tax Act, 1961.
Frequently Asked Questions
The maximum tax deduction limit under Section 80C (along with Section 80CCC and 80CCD(1)) is ₹1.5 Lakhs (₹1,50,000) per financial year under the Old Tax Regime.
No, Section 80C deductions are not available under the New Tax Regime. If you opt for the New Tax Regime, you cannot claim deductions for PPF, EPF, ELSS, insurance premiums, home loan principal, or school fees.
Common eligible options include Employee Provident Fund (EPF), Public Provident Fund (PPF), Equity Linked Savings Scheme (ELSS) mutual funds, life insurance premiums, National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), 5-year tax-saver bank FDs, children's tuition fees, and home loan principal repayment.
The tax savings depend on your marginal tax slab. If you are in the 30% slab, maximizing the ₹1.5 Lakh deduction saves you ₹45,000 plus 4% cess, totalling ₹46,800 in taxes annually (under the Old Regime).