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Section 80c Calculator — Calculations & Slabs for FY 2026-27

Enter your eligible investments -- PPF, ELSS, EPF, NSC, LIC premium, principal repayment -- to see how much of the Rs 1.5 lakh Section 80C limit you have used under the old regime.

1. Investment Breakdown (Annual)

Frequently Asked Questions (FAQ)

What is the maximum limit under Section 80C?

The maximum tax deduction limit allowed under Section 80C of the Income Tax Act is ₹1,50,000 per financial year. This limit is shared across all eligible investments and expenses under Section 80C, 80CCC, and 80CCD(1).

Is Section 80C deduction available in the New Tax Regime?

No, Section 80C deductions are only available if you choose the Old Tax Regime. The New Tax Regime (under Section 115BAC) has lower tax slab rates but does not allow most deductions, including 80C, 80D, HRA, and home loan interest.

Can I claim school tuition fees under Section 80C?

Yes, tuition fees paid for the full-time education of up to 2 children in any school, college, or university in India are eligible for deduction under Section 80C. Development fees, donations, and transport charges are not eligible.

What happens if I withdraw my ELSS or PPF early?

ELSS has a mandatory lock-in period of 3 years, and premature withdrawals are not possible. PPF has a 15-year maturity, with partial withdrawals allowed only after the 7th year under specific conditions. Withdrawing early from other instruments like tax-saver FDs before 5 years is also prohibited.

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 determines your tax deductions under Section 80C of the Indian Income Tax Act. It aggregates investments like EPF, PPF, ELSS, LIC premium, and tuition fees, applies the ₹1.5 Lakh limit, and calculates your total tax saved.

engine_type: compiled | format: inr

📋 How to Use It

  1. 1
    EPF Contribution (₹): Enter your annual Employee Provident Fund contributions.
  2. 2
    PPF Investment (₹): Enter your annual Public Provident Fund contributions.
  3. 3
    ELSS Investment (₹): Enter your annual Equity Linked Savings Scheme investments.
  4. 4
    LIC Premium (₹): Enter your annual Life Insurance policy premiums.
  5. 5
    Home Loan Principal (₹): Enter the principal repayment portion of your home loan EMI paid during the year.
  6. 6
    Tuition Fees (₹): Enter the school/college tuition fees paid for up to 2 children.
  7. 7
    NSC Investment (₹): Enter your annual National Savings Certificate investments.
  8. 8
    Tax Slab (%): Select your tax rate (5%, 20%, or 30%) to estimate tax savings.

🧬 The Logic Explained Simply

  • The Concept: Section 80C is the most popular tax-saving section in India. It lets you deduct up to ₹1,50,000 of qualifying investments from your taxable income. Any investment beyond ₹1,50,000 does not save further tax. The actual tax cash saved depends on your tax bracket.
  • The Formula:
  • Total 80C Investments = Sum of all qualifying contributions
  • Deduction Allowed = min(Total 80C Investments, 1,50,000)
  • Tax Saved = Deduction Allowed × (Tax Slab / 100) × 1.04 (including 4% health and education cess)
  • Remaining 80C Space = max(0, 1,50,000 - Total 80C Investments)

💡 Real-World Calculation Breakdown

For example, you invest ₹50,000 in EPF, ₹60,000 in PPF, and ₹20,500 in school tuition fees. You are in the 30% tax slab.

  • Total 80C Investments = ₹50,000 + ₹60,000 + ₹20,500 = ₹1,30,500
  • Deduction Allowed = ₹1,30,500 (since it is below the ₹1,50,000 limit)
  • Remaining 80C Space = ₹1,50,000 - ₹1,30,500 = ₹19,500
  • Tax Saved = ₹1,30,500 × 31.2% = ₹40,716

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