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Indian Finance 🇮🇳

80g Donation Calculator — Calculations & Slabs for FY 2026-27

Enter your donation amount and institution type to see exactly how much you can deduct under Section 80G -- whether 100% or 50% with or without the qualifying limit.

1. Donations & Income Details

Frequently Asked Questions (FAQ)

What is Section 80G and who can claim this deduction?

Section 80G is a provision under the Income Tax Act that allows taxpayers (individuals, companies, firms) to claim a tax deduction for donations made to charitable trusts, NGOs, and government relief funds. To claim this, the receiving organization must hold a valid 80G registration certificate.

Is there a limit on how much tax deduction I can claim under 80G?

Yes. While donations to certain government funds (like the PM National Relief Fund) qualify for a 100% deduction without limits, donations to approved NGOs and private trusts are subject to a qualifying limit of 10% of your Adjusted Gross Total Income.

Can I claim 80G tax benefit if I donate in cash?

Donations made in cash exceeding ₹2,000 are not eligible for tax deductions under Section 80G. To claim the tax benefit for donations above ₹2,000, payments must be made through banking channels like cheques, demand drafts, internet banking, or UPI.

What documents are required to claim an 80G deduction?

To claim the deduction, you must obtain a donation receipt from the charity. The receipt must contain the charity's name, address, PAN, 80G registration number and validity period, the donor's name, and the donation amount. Lenders must also issue Form 10BE (deduction certificate) to you.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

💡 What Does This Calculator Do?

This calculator estimates the tax savings you can claim under Section 80G of the Income Tax Act for charitable donations. It accounts for different categories of donations (100% deduction vs 50% deduction) and applies the qualifying limit of 10% of your adjusted gross income to determine the net tax saved.

📋 How to Use It

  1. 1
    Donation to PM Relief Fund (₹): Enter donations made to funds eligible for 100% deduction without any qualifying limit.
  2. 2
    Donation to Approved NGO 100% (₹): Enter donations made to institutions eligible for 100% deduction subject to the qualifying limit.
  3. 3
    Donation to Approved NGO 50% (₹): Enter donations made to institutions eligible for 50% deduction subject to the qualifying limit.
  4. 4
    Gross Income (₹): Enter your gross total annual income.
  5. 5
    Tax Slab: Select the tax slab (5%, 20%, or 30%) applicable to your income.

🧬 The Logic Explained Simply

  • The Concept: Section 80G allows taxpayers to save tax by donating to charitable funds and NGOs. Some donations have no limit on deduction (like government relief funds), while others are capped at a maximum of 10% of your gross income. The actual tax saved depends on the final allowed deduction and your tax slab.
  • The Formula:
  • Max Qualifying Limit for NGOs = 10% of Gross Income
  • Eligible 100% NGO Deduction = min(Approved NGO 100%, Max Qualifying Limit)
  • Remaining NGO Limit = Max Qualifying Limit - Eligible 100% NGO Deduction
  • Eligible 50% NGO Deduction = min(Approved NGO 50%, Remaining NGO Limit) × 50%
  • Total 80G Deduction = PM Relief Fund Donation + Eligible 100% NGO Deduction + Eligible 50% NGO Deduction
  • Tax Saved = Total 80G Deduction × Tax Slab / 100

💡 Real-World Calculation Breakdown

For example, you earn ₹10,00,000 and make the following donations:

  • Donation to PM Relief Fund = ₹10,000 (limit does not apply) -> ₹10,000 deduction
  • Donation to Approved NGO 50% = ₹20,000 (subject to limit)
  • Max Qualifying Limit for NGOs = 10% of ₹10,00,000 = ₹1,00,000
  • Eligible NGO Donation = ₹20,000 (since it is under ₹1,00,000 limit)
  • Deduction on NGO Donation = 50% of ₹20,000 = ₹10,000
  • Total 80G Deduction = ₹10,000 (PM Fund) + ₹10,000 (NGO) = ₹20,000
  • Tax Saved (at 30% slab) = ₹20,000 × 30% = ₹6,000
  • Effective Cost of Donation = ₹30,000 (total spent) - ₹6,000 (tax saved) = ₹24,000

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