80C Deduction Calculator
Calculate eligible Section 80C deduction, unused limit and estimated tax saving from EPF, PPF, ELSS, insurance and other 80C items.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్లు నవీకరించబడతాయి.
80C inputs
- Eligible deduction
- ₹1,50,000
- Unused limit
- ₹0
- Total entered
- ₹1,72,000
- Estimated tax saved
- ₹45,000
మీ లెక్కలు ఏమి చెబుతున్నాయి
Every ₹100 you invest here saves ₹30 in tax.
That's your 30% marginal rate on ₹1,50,000 of deductions, about ₹3,750 a month.
₹22,000 of your entries go beyond the ₹1.5 lakh cap.
The excess earns no 80C deduction; under the old regime, NPS under 80CCD(1B) allows up to ₹50,000 more.
EPF alone uses 48% of your 80C limit.
Your regular EPF deduction already counts, so check your payslip before buying products just to save tax.
Old-regime eligible contributions only. ₹1.5 lakh is the combined 80C/80CCC/80CCD(1) limit; include other eligible items already using that cap. Tax saved is a marginal-rate estimate, not a full tax calculation; slab crossings, rebates and surcharge can change the actual saving.
మీ లెక్కను అర్థం చేసుకోండి
Section 80C allows eligible old-regime deductions up to ₹1.5 lakh a year. This calculator adds common 80C items such as your EPF contribution, PPF, ELSS, life insurance premium, children's tuition fees and home-loan principal, then shows the eligible deduction, the limit you haven't used yet and a rough estimate of the tax it saves.
80C Deduction Calculator ఎందుకు ఉపయోగించాలి
Many salaried people already fill most of 80C through EPF without realising it. A ₹50,000 basic salary means ₹72,000 a year of employee PF, nearly half the cap. Before buying another tax-saving product in March, check how much room is actually left, and whether the saving is worth the lock-in. Anything you put in above ₹1.5 lakh earns no extra 80C deduction, however good the product is.
ఒక్క చూపులో ప్రయోజనాలు
Caps deduction at ₹1.5 lakh
Contributions above the combined limit are shown but not counted, so you don't overestimate the deduction.
Shows unused limit
See exactly how much more eligible investment or spending can still reduce taxable income this year.
Estimates tax saved
Applies your marginal rate to the eligible deduction so you can weigh the benefit against lock-in and returns.
Flags what you already have
EPF, tuition fees and loan principal often use the limit before you invest a rupee more, which the total makes obvious.
80C Deduction Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter 80C items
Add your employee EPF, PPF deposits, ELSS purchases, life insurance premium, tuition fees and home-loan principal for the financial year.
- 2
Set your marginal tax rate
Use the slab rate your last rupee of income falls in under the old regime. Add cess (and surcharge, if any) to the rate if you want those reflected.
- 3
Check unused limit
If it's above zero, more eligible investment can still lower your tax. If it's zero, extra 80C products won't help this year.
- 4
Use the tax saving estimate
Compare the saving with liquidity, lock-in period and expected returns before committing money.
ఉదాహరణ
EPF, PPF, ELSS and insurance against the ₹1.5 lakh cap
A salaried employee contributes ₹72,000 to EPF, ₹50,000 to PPF, ₹30,000 to ELSS and pays ₹20,000 in life insurance premium. Total = 72,000 + 50,000 + 30,000 + 20,000 = ₹1,72,000. The eligible deduction is min(₹1,72,000, ₹1,50,000) = ₹1,50,000, so ₹22,000 earns nothing under 80C. At a 30% marginal rate the estimate is ₹1,50,000 × 30% = ₹45,000. Without the ₹30,000 ELSS, the total would be ₹1,42,000, leaving ₹8,000 unused.
- Total 80C contributions
- ₹1,72,000
- Eligible deduction
- ₹1,50,000
- Unused limit
- ₹0
- Estimated tax saved at 30%
- ₹45,000
Once EPF and PPF are in place, only ₹28,000 of ELSS or insurance was needed to fill the cap. The extra ₹22,000 should be judged as an investment, not as a tax saver.
ఇది ఎలా లెక్కించబడుతుంది
The calculator adds every item you enter: total = EPF + PPF + ELSS + life insurance + tuition fees + home-loan principal + other. It then applies the cap: eligible deduction = min(total, ₹1,50,000) and unused limit = max(0, ₹1,50,000 − eligible deduction).
Tax saved is a straight marginal-rate estimate: tax saved = eligible deduction × marginal rate ÷ 100. It doesn't recompute your slab tax, so it ignores slab crossings, the Section 87A rebate and surcharge thresholds. For example, under the FY 2026-27 old regime, a salaried person with ₹12 lakh gross income pays ₹1,63,800 with no deductions and ₹1,17,000 after a full ₹1.5 lakh 80C claim, a ₹46,800 difference. That equals 30% plus 4% cess on ₹1.5 lakh, so entering 31.2% here reproduces it.
Product eligibility isn't checked individually. The calculator trusts that each amount you enter qualifies (for instance, that the insurance policy and tuition fees meet the 80C conditions).
అనుమానాలు మరియు పరిమితులు
- Applies to the old regime only; these deductions are not allowed in the new regime.
- ₹1,50,000 is the combined cap for Sections 80C, 80CCC and 80CCD(1). Include other eligible amounts already using that cap.
- EPF means employee contributions, not employer contributions.
- Eligibility conditions for each product are not individually validated.
- Tax saved is a marginal-rate estimate; slab crossings, rebates and surcharge can change actual savings. Use the income-tax calculator for a full regime comparison.
తరచుగా అడిగే ప్రశ్నలు
Is 80C available in the new regime?
No. The new regime doesn't allow 80C deductions, so if you pick it, EPF, PPF and ELSS give no tax benefit under this section. Compare both regimes with your full deductions before deciding; at many income levels the new regime's lower slabs and ₹12 lakh rebate limit beat old-regime deductions.
Does EPF count under 80C?
Your own (employee) EPF contribution counts, usually 12% of basic salary. The employer's matching share does not. Voluntary PF contributions above 12% also count, all within the same ₹1.5 lakh cap.
Can I claim more than ₹1.5 lakh?
Not under 80C. The ₹1.5 lakh is a combined limit for 80C, 80CCC and 80CCD(1). Under the old regime, an extra NPS contribution under Section 80CCD(1B) gives a separate deduction of up to ₹50,000 on top of it.
Does home-loan interest count under 80C?
No. Only the principal portion of EMIs counts under 80C. Interest on a self-occupied home is a separate old-regime deduction (up to ₹2 lakh) and isn't entered here.
Which 80C option has the shortest lock-in?
ELSS funds have a three-year lock-in, shorter than PPF's 15 years or a five-year tax-saver FD. ELSS returns aren't guaranteed, though, so pick based on risk as well as lock-in.
Why is my real saving different from the estimate?
The estimate multiplies the deduction by one rate. If the deduction pulls part of your income into a lower slab, or below the ₹5 lakh old-regime rebate limit, the actual saving differs. Run the income tax calculator for an exact figure.
చివరి మాట
Use the 80C calculator before making tax-saving investments, ideally early in the financial year rather than in March. Add what EPF and existing commitments already cover, invest only the gap for tax purposes, and confirm with a full regime comparison that the old regime is actually the cheaper one for you.
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