Section 80C Tax Saving Calculator
Optimize your ₹1.5 Lakh tax deductions across EPF, PPF, ELSS mutual funds, life insurance, home loan principal, and child tuition fees under the Old Tax Regime.
Statutory Ceiling: Section 80CCE (Cap of ₹1,50,000 for aggregate 80C, 80CCC, 80CCD(1))
Investment & Expense Items
Tax Savings Summary
₹₹10.0 K Gap RemainingDirect tax reduction under Section 80C of the Income Tax Act.
Section 80C Deductions: ₹1.5 Lakh Limit & Instrument Comparison
Complete guide to eligible investments, lock-in periods, return profiles, and tax savings under the Old Tax Regime.
Comparison of Major Section 80C Avenues
The ₹1,50,000 annual deduction limit can be fulfilled across fixed-income and market-linked instruments:
• EPF (Employee Provident Fund):
12% mandatory payroll deduction. 8.25% p.a. interest. Lock-in until retirement.
• PPF (Public Provident Fund):
7.1% p.a. government-backed interest. Pure EEE tax status. 15-year lock-in.
• ELSS (Equity Linked Savings Scheme):
Market-linked equity mutual fund. Shortest 80C lock-in of only 3 years.
• Sukanya Samriddhi Yojana (SSY): 8.2% interest for girl child education.
• Home Loan Principal Repayments & Children School Tuition Fees.
Worked Example: Tax Saved at 30% Slab
Calculating the exact cash tax savings by fully exhausting the ₹1,50,000 threshold under the Old Regime:
New vs Old Tax Regime: Is Section 80C Available in FY 2025-26?
Crucial Statutory Note: Section 80C deductions are available exclusively under the Old Tax Regime. Under the default New Tax Regime (Section 115BAC), Chapter VI-A deductions (including 80C, 80D, 80E) are completely disallowed in exchange for lower progressive tax slab rates and an enhanced ₹75,000 standard deduction. Salaried employees must calculate their break-even point to decide which regime delivers higher take-home pay.
Lock-In Warning: Life Insurance ULIPs and ELSS investments cannot be prematurely liquidated before their statutory lock-in periods (5 years for ULIPs, 3 years for ELSS).
Frequently Asked Questions on Section 80C
Everything you need to know about instruments, lock-in periods, and maximum tax savings.
How much tax can I save under Section 80C?
Can I claim 80C deductions if I choose the New Tax Regime?
Which Section 80C instrument has the shortest lock-in period?
Can tuition fees for college or overseas education be claimed under Section 80C?
Does Section 80C include employer EPF contributions?
Old vs New Tax Regime Guide (FY 2025-26 & FY 2024-25): Comparison, Slabs & Breakeven Analysis
Compare Old vs New Tax Regime for FY 2025-26 (AY 2026-27) & FY 2024-25 (AY 2025-26). Understand ₹75,000 standard deduction, Section 87A rebate, HRA, 80C exemptions, and breakeven deduction thresholds.
Section 80C Deductions: ₹1.5 Lakh Limit & Instrument Comparison
Complete guide to eligible investments, lock-in periods, return profiles, and tax savings under the Old Tax Regime.
Comparison of Major Section 80C Avenues
The ₹1,50,000 annual deduction limit can be fulfilled across fixed-income and market-linked instruments:
• EPF (Employee Provident Fund):
12% mandatory payroll deduction. 8.25% p.a. interest. Lock-in until retirement.
• PPF (Public Provident Fund):
7.1% p.a. government-backed interest. Pure EEE tax status. 15-year lock-in.
• ELSS (Equity Linked Savings Scheme):
Market-linked equity mutual fund. Shortest 80C lock-in of only 3 years.
• Sukanya Samriddhi Yojana (SSY): 8.2% interest for girl child education.
• Home Loan Principal Repayments & Children School Tuition Fees.
Worked Example: Tax Saved at 30% Slab
Calculating the exact cash tax savings by fully exhausting the ₹1,50,000 threshold under the Old Regime:
New vs Old Tax Regime: Is Section 80C Available in FY 2025-26?
Crucial Statutory Note: Section 80C deductions are available exclusively under the Old Tax Regime. Under the default New Tax Regime (Section 115BAC), Chapter VI-A deductions (including 80C, 80D, 80E) are completely disallowed in exchange for lower progressive tax slab rates and an enhanced ₹75,000 standard deduction. Salaried employees must calculate their break-even point to decide which regime delivers higher take-home pay.
Lock-In Warning: Life Insurance ULIPs and ELSS investments cannot be prematurely liquidated before their statutory lock-in periods (5 years for ULIPs, 3 years for ELSS).
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