Section 80C Deduction Optimizer
Plan your Section 80C investments to maximize tax deductions up to ₹1.5L and optimize your income tax savings with the best investment options.
Updated for 2026
Your 80C Investments
Tax Profile
✓ Last updated: March 2026 | Built with CRA-official rates, Bank of Canada data, and OSFI guidelines
How to Use This Calculator
Input all your current 80C investments (EPF, PPF, ELSS, LIC, etc.).
Enter your annual salary and tax slab to calculate tax savings.
See your total deduction, tax savings, and how much more you can invest.
See which 80C instruments can fill any unused limit for maximum tax savings.
Understanding Your Results
- Total 80C InvestmentsThe sum of all your 80C eligible investments across all categories.
- Eligible DeductionThe amount you can claim – capped at ₹1.5L regardless of your total investments.
- Tax SavingsThe actual tax saved = Deduction × Tax Slab. At 30% slab, ₹1.5L saves ₹45,000.
Key Tips
- ✓Maximize your 80C limit – every ₹1L invested saves ₹30,000 in tax at 30% slab.
- ✓ELSS offers the highest growth potential with a 3-year lock-in.
- ✓PPF is the safest 80C option with 15-year lock-in and tax-free returns.
- ✓Home loan principal repayment is often overlooked – include your EMI's principal portion.
- ✓Term insurance premiums are fully deductible – buy term cover for both protection and tax savings.
Related Calculators
Understanding Section 80C in India
What is Section 80C?
Section 80C allows deductions up to ₹1.5L from your taxable income for specified investments and expenses. This includes EPF, PPF, ELSS, life insurance premiums, home loan principal, tuition fees, and more.
Eligible 80C Investments
EPF (employee + employer), PPF, ELSS, Life Insurance Premiums, NSC/KVP, 5-Year Tax-Saving FD, Home Loan Principal Repayment, Tuition Fees (for 2 children), Sukanya Samriddhi Yojana, ULIP, and others.
80C Tax Savings Calculation
Tax savings = Deduction amount × Tax slab rate. At 30% slab, ₹1.5L deduction saves ₹45,000. At 20% slab, it saves ₹30,000. At 10% slab, it saves ₹15,000.
Best 80C Options for Different Profiles
Young investors: ELSS (growth + tax savings). Conservative investors: PPF (safety + tax savings). Salaried employees: EPF (automatic + tax savings). Homeowners: Home loan principal (combined benefit).
80C Optimizer Example
₹8L salary with ₹1.2L existing 80C investments.
- Salary
- ₹12,00,000
- EPF
- ₹80,000
- PPF
- ₹40,000
- Tax Slab
- 30%
- Total Invested
- ₹1,20,000
- Deduction
- ₹1,20,000
- Unused Limit
- ₹30,000
- Current Tax Savings
- ₹36,000
- Max Tax Savings
- ₹45,000
- Additional Savings
- ₹9,000
- Recommended Investment
- ₹30,000 in ELSS
Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
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