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Section 80C Tax Saving Calculator 2026
🔍 Reviewed by FinMandi Research Team · ✓ Standard banking formula · ✓ Cross-checked against published bank calculator results · Updated May 2026
Enter your investments in each 80C category · See total deduction, tax saved and remaining limit · Max deduction Rs 1,50,000 per year
👨‍💼 Reviewed by FinMandi Research Team — 10+ years banking · Verified May 2026 ✓ Cross-checked against official sources
No Tax
Below Rs 3L
5%
Rs 3L–7L
20%
Rs 7L–10L
30%
Above Rs 10L
🏦 EPFAuto-deducted
Employee share only · 12% of basic
📈 ELSS Mutual FundBest Returns
3-year lock-in · 12-15% CAGR historical
🔒 PPF7.1% Safe
Max Rs 1.5L/year · 15-year lock-in
🛡️ Life Insurance Premium
LIC or any insurer annual premium
📜 NSC7.7%
5-year lock-in · Post Office
🏛️ Tax Saving FD6.5-7%
5-year lock-in · Any bank
🎓 Tuition FeesChildren only
Max 2 children · Full-time education
🏠 Home Loan Principal
Principal repayment only (not interest)
Total 80C Used: Rs 1,22,000Limit: Rs 1,50,000
Rs 28,000 remaining limit
Tax Saved
Rs 38,022
incl. 4% cess
80C Deduction
Rs 1,22,000
Remaining Limit
Rs 28,000

💡 Max Tax Saving Tip: Invest Rs 1,50,000 total to save maximum Rs 46,800 in tax (30% slab). Easiest way: ELSS SIP of Rs 12,500/month covers the full limit automatically every year.

⚠️ Section 80C is only available under the Old Tax Regime. If you have opted for New Tax Regime, none of these deductions apply. Use our Income Tax Calculator to compare both regimes.

Also read: Complete 80C Investment Guide  ·  Best ELSS Funds 2026  ·  New vs Old Tax Regime  ·  Income Tax Calculator

⚠️ Disclaimer: Results are indicative and for informational purposes only. Actual amounts may vary based on your provider's specific terms, applicable charges, and other factors. FinMandi is an independent information platform — not a bank, NBFC, insurer, or registered investment adviser. Always verify figures directly with your bank or financial provider before making any financial decision.