80C Deduction Planner
Old Regime · ₹1.5L Limit · PPF, ELSS, LIC, NSC · FY 2026-27 (Tax Year 2026-27)
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📋 Disclaimer
Section 80C deductions — Section 123 of the Income-tax Act 2025 from 1 April 2026 — apply only under the Old Tax Regime. Under the New Tax Regime (the default), most deductions including 80C are not available. This calculator is for reference purposes only. Consult a qualified CA for tax planning specific to your situation.
Your 80C Investments & Payments
Annual Income (₹)
Gross salary income — ₹50,000 old-regime standard deduction is applied. Enter it after other deductions (HRA, 80D) for a closer estimate.
Age
Below 60
60 – 79
80+
💰 Investments
ELSS / Mutual Funds (₹)
PPF (₹)
NSC (₹)
5-Year Bank FD (₹)
ULIP Premium (₹)
Sukanya Samriddhi (₹)
Senior Citizen Savings (₹)
🛡️ Insurance & Other
LIC / Life Insurance Premium (₹)
EPF (Employee Contribution) (₹)
Home Loan Principal (₹)
Tuition Fees — 2 children (₹)
Stamp Duty on Property (₹)
NPS (Self Contribution — 80CCD(1)) (₹)
Other 80C (₹)
80C Summary — FY 2026-27
Total 80C Amount
₹0
Eligible Deduction
₹0
Used0%
₹1,50,000 remainingLimit: ₹1,50,000
Tax Saving Estimate (Old Regime)
Taxable Income (before 80C)₹0
80C Deduction Applied₹0
Taxable Income (after 80C)₹0
Estimated Tax Saving₹0
Saving includes surcharge (above ₹50L) and 4% cess. Old regime only.
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FAQ
Section 80C of the Income-tax Act 1961 — Section 123 of the Income-tax Act 2025 from FY 2026-27 — allows deductions up to ₹1.5 lakh per year on investments and payments like PPF, ELSS, LIC premium, EPF, NSC, 5-year FD, home loan principal, and children's tuition fees. This reduces your taxable income and thus your tax liability. Only available under the Old Tax Regime.
No. Section 80C deductions are not available under the New Tax Regime. The New Regime is the default, and Budget 2026 made no change to this for FY 2026-27. To claim 80C, you must explicitly opt for the Old Tax Regime when filing your ITR.
ELSS funds offer the shortest lock-in (3 years) with equity market returns. PPF offers guaranteed tax-free returns with EEE status. Your own NPS contribution gets an extra ₹50,000 under 80CCD(1B) (now Section 124) over the ₹1.5L 80C limit. The best choice depends on your risk appetite, liquidity needs, and existing EPF contributions.
Yes. The employee's share of EPF contribution is eligible under Section 80C. It is typically already included in your salary structure and reflected in Form 16. However, if you include it here, don't double-count it with your employer-reflected deductions.