Section 80C Deduction Calculator — AY 2026-27

Add up your Section 80C investments to see how much of the ₹1.5 lakh cap you have used, how much headroom is left, and an illustrative tax saving. Everything runs in your browser — nothing you type is sent anywhere.

How the 80C cap works

The calculator adds your six contributions into a total, then applies the cap: eligible = Math.min(total, 150000) and headroom = Math.max(0, 150000 − total). If your contributions exceed ₹1.5 lakh, only ₹1.5 lakh is deductible and the headroom is zero; if they fall short, the headroom tells you how much more you could invest before hitting the cap. The illustrative tax saved is Math.round(eligible × rate) using the marginal rate you pick.

The ₹1.5 lakh limit is shared

The ₹1,50,000 ceiling is not per item — it is a single combined limit across Section 80C, Section 80CCC (pension plans) and Section 80CCD(1) (your own NPS contribution). Many salaried people already use a large chunk of it through EPF alone. An additional ₹50,000 for NPS under Section 80CCD(1B) sits outside this cap; see NPS tax benefits for how that works.

80C is an Old-regime deduction

Section 80C deductions are available only under the Old regime — they cannot be claimed under the New regime. Use the Old vs New Regime Calculator to check whether the Old regime works out cheaper for you once your full 80C (and other deductions) are counted. For the wider list of what qualifies, read Section 80C & 80D deductions.

Frequently asked questions

What is the maximum Section 80C deduction?

The combined deduction under Section 80C, 80CCC and 80CCD(1) is capped at ₹1,50,000 per year. Even if your eligible contributions add up to more, only ₹1.5 lakh can be claimed. This calculator caps your total at ₹1.5 lakh and shows any remaining headroom.

What counts towards 80C?

Common 80C items include your EPF contribution, PPF, ELSS mutual funds, life insurance premiums, the principal repaid on a home loan, children's tuition fees, NSC, 5-year tax-saving fixed deposits and Sukanya Samriddhi. This calculator covers the most common six; add others to your own total if relevant. This is illustrative — your figures depend on your actual contributions.

Does 80C apply under the New tax regime?

No. Section 80C is an Old-regime deduction. If you opt for the New regime you cannot claim it, so this calculator is relevant only if you are on, or considering, the Old regime.

How much tax does 80C save me?

Your saving is roughly your eligible 80C amount multiplied by your marginal tax rate. At a 30% marginal rate, the full ₹1.5 lakh deduction saves around ₹45,000 before cess. Pick your marginal rate above for an illustrative figure — it ignores surcharge and the 4% cess and is for guidance only.