Section 80C Tax Planner
See how much of your ₹1,50,000 Section 80C limit you've used, and estimate the actual tax you save — old tax regime only.
Estimated tax saved
₹31,200
Tax saved at different 80C investment levels
| 80C invested | Tax saved |
|---|---|
| ₹30k | ₹9,360 |
| ₹60k | ₹18,720 |
| ₹90k | ₹28,080 |
| ₹120k | ₹37,440 |
| ₹150k | ₹46,800 |
How 80C actually reduces your tax
Section 80C doesn't directly cut your tax bill — it reduces your taxable income, and the actual rupee savings depend on which tax slab that income falls in:
This means the same ₹1,50,000 investment saves more for someone in the 30% slab than someone in the 5% slab — there's no flat "you save X%" answer, which is why this calculator computes the actual difference using the real old-regime slabs rather than a rule of thumb.
Common instruments that count toward the ₹1,50,000 limit: EPF contributions, PPF, ELSS mutual funds, life insurance premiums, five-year tax-saver FDs, NSC, Sukanya Samriddhi, and home loan principal repayment. NPS under Section 80CCD(1B) is deliberately kept separate — it's the one way to get tax benefit beyond the ₹1,50,000 ceiling, up to an additional ₹50,000.
Frequently asked questions
Yes — your own (employee) EPF contribution counts toward the ₹1,50,000 80C limit. Employer PF contributions do not count here; they're a separate, non-taxable component of your CTC.