Section 80C Deduction Calculator
Plan your Section 80C investments to maximise the ₹1.5 lakh deduction. Covers EPF, PPF, ELSS, LIC, NSC, NPS, home loan principal, tuition fees, and more.
Did this tool work for you?
How to use this calculator
- 1
Section 80C allows deduction up to ₹1,50,000 per year from taxable income (old regime only).
- 2
Section 80CCD(1B) allows an additional ₹50,000 deduction for NPS contributions over and above the ₹1.5L cap.
- 3
ELSS has the shortest lock-in (3 years) among all 80C instruments.
- 4
EPF and home loan principal repayment are automatically eligible — enter them here to track your total.
Frequently asked questions
What is the Section 80C limit for FY 2025-26?
The Section 80C deduction limit remains ₹1,50,000 for FY 2025-26 (AY 2026-27). This limit has not changed since 2014. You can combine multiple investments — EPF + PPF + ELSS + LIC + NSC + home loan principal + tuition fees etc. — as long as the total deduction claimed does not exceed ₹1,50,000.
Is Section 80C available in the new tax regime?
No. Section 80C deductions are NOT available under the new tax regime (FY 2025-26 onwards). The new regime has lower tax rates but does not allow most deductions. If your total 80C + other deductions exceed ₹3.75 lakh, the old regime is likely more beneficial. Use our New vs Old Regime Calculator to compare.
Section 80C Deduction Calculator FY 2025-26 — Tax Saving Investment Planner
Best 80C investment options compared
ELSS (3-year lock-in, market-linked returns ~12%), PPF (15 years, 7.1% guaranteed, tax-free), EPF (auto-deducted, ~8.25% rate), NSC (5 years, 7.7% taxable), LIC (insurance + tax saving), Home loan principal (dual benefit with property ownership). For young investors, ELSS offers the best returns. For risk-averse investors, PPF is preferred.
Learn more from an authoritative source:
InvestopediaLTCG Grandfathering Calculator (Jan 31, 2018)
Calculate Long Term Capital Gains on equity shares and equity mutual funds with grandfathering (cost stepped up to Jan 31, 2018 price under Budget 2018). Applicable for assets purchased before Feb 1, 2018.
Home Loan Tax Benefit Calculator
Calculate total income tax benefit on your home loan — Section 80C deduction on principal repayment (₹1.5L) and Section 24(b) deduction on interest (₹2L for self-occupied).
Form 16 Tax Calculator
Calculate your income tax from Form 16 data. Enter gross salary, perquisites, allowances, and deductions to compute net taxable income and tax liability for FY 2025-26.
ITR Late Fee Calculator
Calculate the late fee for filing ITR after the due date under Section 234F. Fee is ₹1,000 if income ≤ ₹5L or ₹5,000 for income above ₹5L (deadline missed after July 31).
NRI TDS Calculator
Calculate TDS on NRI income in India — property sale, rental income, interest, capital gains, and other payments. Includes DTAA rates for major countries.
Sovereign Gold Bond (SGB) Returns Calculator
Calculate returns on RBI Sovereign Gold Bonds — including 2.5% annual interest, capital appreciation based on gold price, and tax treatment (LTCG exempt if held to maturity).
Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →