What this calculator does
This page helps you estimate the likely result for 80C Investment Tracker from the details entered in the calculator below. Treat the output as a planning estimate, not as a substitute for the final filing computation.
Inputs explained
- EPF (Employee Contribution): Use the figure relevant to your case and keep the unit consistent with the form.
- PPF (Public Provident Fund): Use the figure relevant to your case and keep the unit consistent with the form.
- ELSS (Tax Saving Mutual Funds): Use the figure relevant to your case and keep the unit consistent with the form.
- Life Insurance Premium: Use the figure relevant to your case and keep the unit consistent with the form.
- NSC (National Savings Certificate): Use the figure relevant to your case and keep the unit consistent with the form.
How it works / Method
The calculator uses the values you enter, applies the relevant rule logic for this topic, and updates the result summary immediately after calculation.
Formula or calculation logic
Enter Your 80C Investments
80C Summary
Enter your investments to see 80C utilization.
Step-by-step example
- Enter EPF (Employee Contribution) as 0 for a sample case.
- Enter PPF (Public Provident Fund) as 0 for a sample case.
- Enter ELSS (Tax Saving Mutual Funds) as 0 for a sample case.
- Click the calculate button and review the 80C Summary panel.
Use cases
- Review the likely tax impact before filing or payment.
- Check how changing one input affects the estimate.
- Prepare a cleaner draft working before using the official portal.
Assumptions & limitations
- Results are estimates only and should be checked against the correct FY and AY rules.
- This page does not validate every exemption condition, document requirement, or edge case.
- Verify the latest filing rules before submitting returns, proofs, or tax payments.
Sources & references
Section 80C Eligible Investments
Maximum deduction under Section 80C is ₹1,50,000 per financial year.
Popular 80C Options
- EPFEmployee's contribution to PF (employer's is separate)
- PPF15-year lock-in, ~7.1% interest, EEE status
- ELSSEquity mutual funds with 3-year lock-in
- Life InsurancePremium up to 10% of sum assured
- NSC5-year lock-in, interest also qualifies under 80C
- Tax Saver FD5-year FD with banks, interest is taxable
- SSYFor girl child, highest interest among govt schemes
- Home Loan PrincipalPrincipal repayment qualifies (not interest)
- Tuition FeesFull-time education for up to 2 children
- Stamp DutyOn purchase of residential property
FAQs
The maximum deduction under Section 80C is ₹1,50,000 per financial year.
No, Section 80C deduction is not available in the new tax regime. You can only claim it under the old regime.
It depends on your goals. ELSS for potential high returns (3-year lock-in), PPF for safe long-term savings (15-year), Tax Saver FD for guaranteed returns (5-year). SSY is excellent if you have a daughter.
Yes! 80CCD(1B) for NPS provides an additional deduction of up to ₹50,000 over and above the 80C limit of ₹1.5 lakh.
ELSS has the shortest lock-in of 3 years among all 80C options. PPF is 15 years, Tax Saver FD is 5 years, NSC is 5 years.