How much tax can Section 80C save you?
Section 80C lets you cut your taxable income by up to ₹1.5 lakh a year by investing in things like EPF, PPF, ELSS funds, life insurance, tax-saving FDs and your home loan principal — and an extra ₹50,000 goes into NPS under 80CCD(1B). This free calculator adds up everything you've put in, shows how much of your ₹1.5 lakh limit is still unused, and estimates the tax you save at your slab. It all runs in your browser, so nothing you enter is uploaded.
Who uses this tool
Salaried employees doing last-minute tax planning in January–March, HR teams helping staff decide on investment declarations at the start of a financial year, and anyone who wants to know exactly how much more to invest to use up their full ₹1.5 lakh 80C limit.
How to use it
- Enter the amounts you've invested across each 80C option.
- Add any NPS contribution under 80CCD(1B) and pick your income-tax slab.
- Click Calculate tax saved to see your deduction, unused headroom and tax saved.
What counts under the ₹1.5 lakh 80C limit
- EPF & VPF, PPF, ELSS mutual funds, life insurance premiums
- 5-year tax-saving fixed deposits, NSC, ULIPs
- Home loan principal repayment, children's tuition fees, Sukanya Samriddhi
- Extra: up to ₹50,000 in NPS under Section 80CCD(1B), over and above the ₹1.5 lakh
Frequently asked questions
What's the maximum 80C deduction?
₹1.5 lakh a year, combined across all eligible 80C investments — plus an extra ₹50,000 for NPS under 80CCD(1B).
How much tax does the full 80C save?
At the 30% slab, ₹1.5 lakh saves about ₹46,800 (incl. 4% cess); at 20% about ₹31,200; at 5% about ₹7,800.
Does 80C work in the new regime?
No — 80C and 80CCD(1B) apply only under the old tax regime. In the new regime these don't reduce your taxable income.
Is NPS 80CCD(1B) part of the ₹1.5 lakh?
No, it's a separate ₹50,000 limit on top of the ₹1.5 lakh 80C cap.
Is my data sent anywhere?
No. The calculation runs entirely in your browser; nothing you enter is uploaded.