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.
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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.
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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
How to use the section 80c deduction
Use this section 80c deduction to plan your section 80c investments to maximise the ₹1. Enter your values above and get your result in seconds. The tool is free, works on all devices, and keeps your data private — nothing is stored or shared.
How the section 80c deduction works
The section 80c deduction calculator uses standard formulas used in financial planning, budgeting, and investment decisions. Enter your inputs, and the tool calculates the result instantly in your browser. No server-side processing means your data stays on your device. Results update in real time as you change inputs.
Who uses this section 80c deduction
This tool is used by financial professionals, students, and anyone managing money. Whether you need a quick estimate or a precise figure for a decision, this section 80c deduction delivers reliable results. It is especially useful when you need to check a calculation without opening a spreadsheet or searching for a formula.
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.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →