Income TaxFY 2026-27 (AY 2027-28)
Section 80C Tax Saver Calculator
Plan your ₹1.5 lakh deduction across PPF, ELSS, EPF, life insurance and 8 other eligible instruments. Old regime only.
Your 80C investments
Marginal slab rate
Tax saved
₹42,432
Eligible deduction: ₹1,36,000 of ₹1.5L cap
91% of cap utilised
Total contributed
₹1.36 L
Eligible deduction
₹1.36 L
Headroom
₹14.0 K
Add more 80C
Above cap (wasted)
₹0
Drill-down
Instrument-wise breakdown
PPF₹50,000
ELSS₹50,000
EPF (employee share)₹36,000
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Sec 80C aggregate cap: ₹1,50,000 across all instruments. Available only under the OLD regime. Tax saved depends on your marginal slab rate (5/10/15/20/25/30%) plus 4% cess.
FAQs
Frequently asked questions
Is 80C available in the new regime?+
No. The new regime under Sec 115BAC disallows 80C, 80D, 80CCD(1B) (except 80CCD(2) for employer NPS) and most other Chapter VI-A deductions.
What's the highest-return 80C option?+
ELSS has the shortest lock-in (3 years) and highest historic return (~12-13% CAGR). PPF gives ~7.1% guaranteed and tax-free. Choose based on your risk appetite and time horizon.
Does employer EPF count towards my ₹1.5L?+
Only the EMPLOYEE share of EPF (12% of basic) counts. Employer's contribution doesn't take up your 80C limit but is deductible u/s 80CCD(2) up to 14%/10% of basic+DA.
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