loading
loading
loading
Finance / India Tax
See how much income tax a Section 80C investment (PPF, ELSS, life insurance, EPF, and more) actually saves you, for FY 2025-26.
Section 80C lets old-regime taxpayers deduct eligible investments and expenses from taxable income, up to a ceiling of ₹1,50,000 per financial year — an amount unchanged since FY 2014-15. This calculator first caps your claimed amount at that ₹1,50,000 ceiling to get the eligible deduction, then computes old-regime tax twice: once on your full gross income, and once on gross income minus the eligible deduction. The difference between the two is the actual tax saved — not the deduction amount itself, since the real saving depends on which slab(s) the deducted income would otherwise have been taxed at. Critical simplification stated explicitly: Section 80C is old-regime only — it is NOT available under the new regime, so this calculator always computes old-regime tax for both the 'with' and 'without' comparison, regardless of which regime you actually file under. If you're on the new regime, Section 80C gives you no tax benefit at all. Figures reflect FY 2025-26 rules; the surcharge above ₹50L income is not modeled.
PPF, EPF (employee contribution), ELSS mutual funds, life insurance premiums, five-year tax-saving fixed deposits, Sukanya Samriddhi Yojana, NSC, and principal repayment on a home loan are common examples, subject to a combined ₹1,50,000/year ceiling across all of them.
No. Section 80C is exclusively an old-regime deduction — the new regime's lower slab rates are offered specifically in exchange for giving up most exemptions and deductions, including this one. This calculator always evaluates 80C's benefit under the old regime.
It's close to that, but the exact saving depends on which slab boundary the deduction crosses — if part of the deducted income would have fallen in a lower slab and part in a higher one, the saving is a blend of both rates, not a single flat rate. That's why this calculator computes tax twice (with and without the deduction) rather than applying a flat percentage.