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Section 80C Planner

Plan your 80C investments and calculate tax savings

Last Updated: July 2026
Total income before deductions
Employee PF contribution
PPF deposit
Tax-saving mutual funds
LIC or other insurance
Principal repayment
NSC, Sukanya Samriddhi, etc.
Total 80C Deduction
—
Sum of all investments
Maximum Limit
—
₹1,50,000
Tax Saved
—
At 30% slab rate

80C Investment Breakdown

InvestmentAmount

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What Is a Section 80C Planner?

A Section 80C Planner helps you track all your 80C-eligible investments and calculate the total deduction available. It shows how much tax you save at your slab rate and whether you have utilized the full ₹1.5 lakh limit.

Section 80C is one of the most popular tax-saving sections in India. This planner helps you organize your tax-saving investments across EPF, PPF, ELSS, insurance, and other instruments to maximize your deduction.

Section 80C Formula

Total 80C = EPF + PPF + ELSS + Insurance + Home Loan + Others
Allowable Deduction = Min(Total 80C, ₹1,50,000)
Tax Saved = Deduction × Tax Slab Rate
Total 80C = Sum of all investmentsMax Limit = ₹1,50,000Tax Saved = Deduction × slab rate

Frequently Asked Questions

What is Section 80C?
Section 80C allows deduction of up to ₹1.5 lakh for specified investments and expenses like EPF, PPF, ELSS, life insurance, home loan principal, tuition fees, NSC, and more. It is available only under the old tax regime.
What investments qualify under 80C?
EPF, PPF, ELSS mutual funds, NSC, life insurance premium, home loan principal, tuition fees, Sukanya Samriddhi Yojana, 5-year bank FD, senior citizen savings scheme, and specified pension plans. Total deduction capped at ₹1.5 lakh.
Is 80C available in new tax regime?
No, Section 80C deduction is not available under the new tax regime (default from FY 2024-25). The new regime offers lower tax rates but no deductions except standard deduction of ₹75,000. Choose regime based on your investments.
What is the lock-in period for 80C investments?
ELSS: 3 years (shortest). PPF: 15 years. NSC: 5 years. 5-year bank FD: 5 years. Life insurance: Policy term. Home loan: No lock-in on principal. Sukanya Samriddhi: Until girl child turns 21. Plan investments based on liquidity needs.
How to maximize 80C benefits?
Start early in the financial year. Diversify across instruments (ELSS for growth, PPF for safety, insurance for protection). Use employer EPF contribution. Claim home loan principal. Include children tuition fees. Review and rebalance annually.

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