About the Section 80C Calculator
What is the Section 80C Calculator?
Section 80C allows a deduction of up to ₹1.5 lakh a year for specified investments and payments, and is the most widely used tax-saving section in the old regime. Many salaried people already use a large part of it through EPF.
Enter what you have invested or paid under each head. The calculator totals them, caps the deduction at ₹1.5 lakh, shows the remaining room and the tax saved at your slab rate including cess.
How to use the Section 80C Calculator
- Employee PF Contribution (₹) (sample: 72,000)
- PPF Deposits (₹) (sample: 30,000)
- ELSS Mutual Funds (₹) (sample: 0)
- Life Insurance Premiums (₹) (sample: 20,000)
- Children's Tuition Fees (₹, up to 2 children) (sample: 0)
- Home Loan Principal Repaid (₹) (sample: 0)
- NSC, Sukanya Samriddhi, Tax-Saver FD, SCSS, etc. (₹) (sample: 0)
- Your Income Tax Slab Rate (sample: 30%)
- Press Calculate 80C Deduction (results also refresh as you type). The result card shows the Section 80C Deduction, along with Total 80C investments entered, Remaining room to invest, Tax saved (old regime, incl. cess) and Amount above the limit (no benefit).
Formula used
80C deduction = min(Total eligible investments, ₹1,50,000)
- Tax saved = deduction × slab rate × 1.04
The ₹1.5 lakh limit is shared with Sections 80CCC and 80CCD(1). Section 80C is not available in the new regime.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Employee PF Contribution (₹) | 72,000 |
| PPF Deposits (₹) | 30,000 |
| ELSS Mutual Funds (₹) | 0 |
| Life Insurance Premiums (₹) | 20,000 |
| Children's Tuition Fees (₹, up to 2 children) | 0 |
| Home Loan Principal Repaid (₹) | 0 |
| NSC, Sukanya Samriddhi, Tax-Saver FD, SCSS, etc. (₹) | 0 |
| Your Income Tax Slab Rate | 30% |
| Result | Value |
|---|---|
| Section 80C Deduction | ₹1,22,000 |
| Total 80C investments entered | ₹1,22,000 |
| Remaining room to invest | ₹28,000 |
| Tax saved (old regime, incl. cess) | ₹38,064 |
| Amount above the limit (no benefit) | ₹0 |
Tips for using the Section 80C Calculator
- ELSS has the shortest lock-in (3 years) among 80C options.
- Tuition fees count only for full-time education of up to two children, not for coaching or development fees.
- Home-loan principal counts only if the house is not sold within 5 years.