← Back to calculatorsSection 80C · Deductions
Plan your ₹1.5L tax-saving investments.
Track 80C (₹1.5L) and NPS (₹50K) utilisation with per-instrument breakdown and smart suggestions.
Marginal Tax Rate
30%
Section 80C Investments
Limit: ₹1,50,000 per year
0%
🏦
EPF (Employee PF)Low
🏛️
PPFLow
📈
ELSS (Tax Saving MF)High
📜
NSCLow
🛡️
LIC / Life InsuranceLow
📊
ULIPMedium
🏧
5-Year Tax Saving FDLow
👧
Sukanya Samriddhi (SSY)Low
🏠
Home Loan PrincipalLow
🎓
Tuition FeesLow
Used: ₹0Remaining: ₹1,50,000
Section 80CCD(1B) — NPS
Additional ₹50,000 over 80C limit
BONUS ₹50K
🧓
NPS (80CCD1B)
Additional ₹50K over 80C limit!
Used: ₹0Remaining: ₹50,000
Tax Savings Summary
Total Tax Saved (incl. cess)
₹0
at 30% slab + 4% cess
Total Invested
₹0
Total Deduction
₹0
80C Used
₹0 / ₹1.5L
NPS Used
₹0 / ₹50K
Overall Utilization0%
₹0 of ₹2,00,000 (80C + NPS)
Smart Recommendations
Invest ₹₹1.5L in ELSS for highest returns with shortest 3-yr lock-in
Invest ₹₹50.0K in NPS to claim additional ₹50K deduction under 80CCD(1B)
Start PPF for guaranteed 7.1% returns with EEE tax benefit
Quick Comparison Guide
| Instrument | Section | Lock-in | Returns | Risk | Your Investment |
|---|---|---|---|---|---|
| 🏦 EPF (Employee PF) | 80C | Till retirement | 8.15% (FY24) | Low | — |
| 🏛️ PPF | 80C | 15 years | 7.1% | Low | — |
| 📈 ELSS (Tax Saving MF) | 80C | 3 years | 12-15% avg | High | — |
| 📜 NSC | 80C | 5 years | 7.7% | Low | — |
| 🛡️ LIC / Life Insurance | 80C | Policy term | 5-6% | Low | — |
| 📊 ULIP | 80C | 5 years | 8-12% | Medium | — |
| 🏧 5-Year Tax Saving FD | 80C | 5 years | 7-7.5% | Low | — |
| 👧 Sukanya Samriddhi (SSY) | 80C | 21 years | 8.2% | Low | — |
| 🏠 Home Loan Principal | 80C | Loan tenure | Saves interest | Low | — |
| 🎓 Tuition Fees | 80C | N/A | N/A | Low | — |
| 🧓 NPS (80CCD1B) | 80CCD1B | Till 60 | 9-12% | Medium | — |
This calculator is for the Old Regime (FY 2025-26). Section 80C/80CCD deductions are NOT available under the New Tax Regime. Consult a CA for personalized advice.
Last updated: March 2026 · Assessment Year: AY 2026-27 (FY 2025-26)