80C Deduction Calculator
Calculate eligible Section 80C deduction, unused limit and estimated tax saving from EPF, PPF, ELSS, insurance and other 80C items.
Section 80C allows eligible old-regime deductions up to Rs 1.5 lakh. This calculator adds common 80C items such as EPF, PPF, ELSS, life insurance premium, tuition fees and home-loan principal, then shows the eligible deduction and unused limit.
Calculate your result
Change the inputs on the left. Results update instantly on the right.
80C inputs
Why use the 80C Deduction Calculator
Many salaried taxpayers already fill most of 80C through EPF. Before buying another tax-saving product, check how much limit is actually left and what the estimated tax saving is.
Benefits at a glance
Caps deduction at Rs 1.5 lakh
Avoid double-counting contributions above the legal cap.
Shows unused limit
Know how much additional 80C investment can still help.
Estimates tax saved
Apply your marginal tax rate to estimate old-regime tax benefit.
How to use the 80C Deduction Calculator
- 1
Enter 80C items
Add EPF, PPF, ELSS, insurance, tuition fees and loan principal.
- 2
Set tax rate
Use your old-regime marginal tax slab.
- 3
Check unused limit
See whether more 80C investment can help.
- 4
Use tax saving estimate
Compare benefit against liquidity and lock-in.
Assumptions and exclusions
- Applies to old regime only.
- Section 80C cap is Rs 1,50,000.
- Eligibility conditions for each product are not individually validated.
Tax/rate changelog
FY 2026-27 tax year refresh
Updated current-year labels, calculator metadata and salary/tax copy to FY 2026-27 (AY 2027-28).
Official rates checked
Income-tax slabs are aligned with the Income Tax Department and Income-tax Act, 2025 references; small-savings defaults use Q2 FY 2026-27 notified rates.
Limitations noted
Calculators are informational planning tools. Verify tax filing, investment and loan decisions with the relevant official source or a qualified professional.
Frequently asked questions
Is 80C available in the new regime?
Most common 80C deductions are not available in the new regime.
Does EPF count under 80C?
Employee EPF contribution counts under 80C, subject to the overall Rs 1.5 lakh cap.
Can I claim more than Rs 1.5 lakh?
No. Section 80C is capped at Rs 1.5 lakh for these items.
Final word
Use the 80C calculator before making tax-saving investments. It helps separate genuine tax benefit from contributions that exceed the available deduction cap.
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