Section 80C Tax Savings Planner Calculator 2026
Allocate investments across PPF, ELSS, EPF, Insurance & NPS to maximize your ₹2,00,000 tax deduction limit.
Section 80C Investment Allocation (Max ₹1,50,000)Cap: ₹1,50,000
Additional Section 80CCD(1B) NPS Deduction (Max ₹50,000)Extra Cap: ₹50,000
Includes 4% Health & Education Cess at 30% tax rate under Old Tax Regime.
Section 80C and 80CCD(1B) apply strictly under the Old Tax Regime.
80C Investment Distribution
Visual breakup of your tax-saving allocations across EPF, PPF, ELSS, Insurance, and NPS.
The Section 80C Allocation Framework: Balancing Liquidity, Returns, and Tax Relief
Section 80C provides an aggregate tax deduction of up to ₹1,50,000 per financial year under the Old Tax Regime. A common mistake among salaried individuals is purchasing low-yield traditional endowment policies in March without realizing that employee EPF contributions and home loan principal repayments already exhaust a substantial portion of the ₹1.5 Lakh limit.
Features the shortest lock-in period among all 80C options (36 months) with equity growth potential. Long-term gains above ₹1.25 Lakh are taxed at 12.5%.
Exempt-Exempt-Exempt (EEE) sovereign instrument offering guaranteed government-backed interest with zero tax on maturity proceeds.
An exclusive deduction for Tier-1 National Pension System deposits over and above the ₹1.5L 80C limit, unlocking total deductions of ₹2,00,000.
Section 80C & 80CCD(1B) Tax Planning FAQs
Strategic guidance on maximizing tax savings under the Old Regime.
Does my employee EPF contribution automatically count toward the ₹1.5 Lakh 80C limit?
Yes. The mandatory 12% employee contribution deducted from your salary by your employer is fully eligible under Section 80C. For many employees earning over ₹10 Lakhs, EPF deductions alone consume between ₹60,000 and ₹1,50,000 of the 80C limit.
Which Section 80C instrument has the shortest lock-in tenure?
Equity Linked Savings Schemes (ELSS mutual funds) carry the shortest statutory lock-in period of exactly 3 years (36 months), compared to 5 years for tax-saving fixed deposits and NSC, and 15 years for PPF.
Can I claim both Section 80C (₹1.5 Lakh) and Section 80CCD(1B) (₹50,000) simultaneously?
Yes. Section 80CCD(1B) is an independent statutory provision that permits an additional deduction of up to ₹50,000 exclusively for Tier-1 NPS contributions over and above the standard ₹1,50,000 ceiling of Section 80C, allowing up to ₹2 Lakhs in combined relief.
Can tuition fees paid for children's education be claimed under Section 80C?
Yes. Actual tuition fees paid to any registered school, college, or university within India for the full-time education of up to two children qualify under Section 80C. Development fees, transport charges, and hostel expenses are excluded.
Authoritative Statutory References
Income Tax
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Old vs New Tax Regime Break-Even Point 2026: The Deduction Threshold Chart
Exact deduction break-even thresholds from ₹7.5L to ₹50L CTC, Section 87A rebate rules, and why 90%+ taxpayers benefit from New Regime.