80C Tax Calculator 2025-26
Enter your CTC and existing investments. Get your exact 80C gap, tax saving estimate, and a personalised investment recommendation — in under 60 seconds.
Your Details
Estimated Tax Saved
₹22.5K
Old Regime benefit from 80C/NPS claims
⚠️ Gap: ₹78.0K left to invest
Recommended Investment Mix
Growth-oriented: ELSS leads, PPF as anchor
Start Investing
We may earn a commission on account openings. This doesn't affect our recommendations.
📧 Email me this tax plan
Free summary with investment links. No spam.
Frequently Asked Questions
What is the 80C deduction limit for FY 2025-26?
The 80C deduction limit for FY 2025-26 remains ₹1,50,000. This applies only to the Old Tax Regime. Under the New Tax Regime, 80C deductions are not available.
Which 80C investments give the best returns?
ELSS mutual funds historically give the best long-term returns (12–15% CAGR) with the shortest lock-in (3 years). PPF is the safest option with guaranteed ~7.1% tax-free returns. NPS gives additional ₹50,000 deduction under 80CCD(1B) over and above the ₹1.5L 80C limit.
Is EPF counted in the ₹1.5L 80C limit?
Yes. The employee share of EPF contribution counts towards the ₹1.5L 80C limit. Employer EPF contribution is not counted as your Section 80C deduction.
What is the maximum tax I can save under 80C?
Under the Old Tax Regime, the maximum tax saving from 80C is ₹46,800 (₹1,50,000 × 30% tax rate + 4% cess) for those in the 30% tax bracket. For the 20% bracket it is ₹31,200, and for the 5% bracket it is ₹7,800.
⚠️ Disclaimer: savingpals.com provides financial information for educational purposes only. We are not SEBI-registered investment advisors. Results shown are estimates only. Please consult a qualified Chartered Accountant before making investment decisions.