01
Enter your investments
Add what you have put into each 80C head this year — EPF, PPF, ELSS, insurance, and so on.
80C Calculator
Add up your 80C investments and the tax you save.
Updated Reviewed by Sajid Hussain· Editor
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Your numbers
80C bills sellers in Indian Rupee (INR), so this calculator works in INR — not your selected US Dollar ($). Every figure below matches your real 80C statement. Localised USD marketplaces are coming soon.
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Last updated
June 14, 2026
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India Tax Tool
What Is an 80C Calculator?
An 80C calculator adds up your tax-saving investments, applies the ₹1.5 lakh limit, and shows how much income tax you save — plus the extra ₹50,000 NPS and the employer-NPS deduction many people miss.
**It pools every 80C head in one place.** EPF, PPF, ELSS, life insurance, home loan principal, tuition fees and the rest all share a single ₹1.5 lakh limit. The calculator totals them, shows how much counts, and how much room is left.
**It catches over-investment.** Putting more than ₹1.5 lakh into 80C wins no extra deduction. The calculator flags the wasted excess so you can move new money somewhere that still saves tax.
**It adds both NPS buckets.** The ₹50,000 under 80CCD(1B) sits on top of the ₹1.5 lakh, taking the combined deduction to ₹2 lakh. On top of that, your employer's NPS contribution is deductible under 80CCD(2) — and that one is allowed under the new regime too, not just the old.
**It tells you the rupees saved.** Beyond the deduction, it shows the actual tax saved at your slab plus cess — so you can see whether maxing the limits is worth the lock-in. 80C and 80CCD(1B) need the old regime; 80CCD(2) helps either way.
Quick facts
- 80C limit
- ₹1.5 lakh
- NPS extra (80CCD-1B)
- ₹50,000
- Employer NPS (80CCD-2)
- Up to 10–14% of pay
- Regime
- Old (80CCD-2: both)
- Max saving (30%)
- ₹62,400 + employer NPS
- Free to use
- No sign-up needed
How It Works
Calculate Your 80C Tax Saving in Three Steps
02
Add NPS and your slab
Enter any extra NPS for 80CCD(1B), and pick your income-tax slab to value the saving.
03
See your deduction and saving
See the capped 80C deduction, the room left, the total deduction, and the tax you save.
Steps to use the 80C Calculator: Enter your investments, Add NPS and your slab, See your deduction and saving.
The Formula
How the 80C Saving Is Worked Out
01
Eligible deduction
Eligible 80C = min(total invested, ₹1.5L)
Your 80C investments are added up and capped at ₹1.5 lakh. Anything above the cap earns no deduction.
Example: ₹1,75,000 invested → ₹1,50,000 counts
02
Total deduction
Total = eligible 80C + 80CCD(1B) + 80CCD(2)
The ₹50,000 under 80CCD(1B) and the employer-NPS deduction under 80CCD(2) are both added on top of the ₹1.5 lakh.
Example: ₹1,50,000 + ₹50,000 = ₹2,00,000 (before employer NPS)
03
Employer NPS — 80CCD(2)
Deductible = min(employer NPS, rate% × Basic+DA)
Your employer's NPS contribution is deductible up to 10% of Basic + DA (private, old regime) or 14% (government, or anyone on the new regime) — over and above the ₹2 lakh.
Example: 14% × ₹10,00,000 = ₹1,40,000 cap
04
Tax saved
Saving = deduction × slab% × 1.04
The deduction is removed from taxable income, so you save tax at your marginal slab rate, plus the 4% cess.
Example: ₹2,00,000 × 30% × 1.04 = ₹62,400
Worked Example
Step-by-Step Walkthrough (₹1.75L of 80C + ₹50k NPS at 30%)
Currency note: the example below uses a benchmark scenario priced in Indian Rupee (INR). Values are converted to US Dollar (USD) at the latest exchange rate so you can compare against your own numbers.
Scenario
A salaried taxpayer at the 30% slab with $175,000.00 of 80C investments plus $50,000.00 of NPS.
1
Step 1 · Cap the 80C
The $175,000.00 invested is capped at the ₹1.5 lakh 80C limit.
Eligible 80C = $150,000.00
2
Step 2 · Add the NPS bucket
The $50,000.00 of NPS adds on top under 80CCD(1B).
Total deduction = $200,000.00
3
Step 3 · Value the saving
At 30% plus 4% cess, the deduction saves real tax.
Tax saved = $62,400.00
The takeaway
With $175,000.00 in 80C — capped to $150,000.00 — plus $50,000.00 of NPS, the total deduction is $200,000.00, saving $62,400.00 in tax at 30%. The ₹25,000 above the 80C cap saved nothing, which is why redirecting it to NPS or 80D matters.
By slab
Maximum 80C + NPS Tax Saving by Slab
| Metric | Poor | Average | Good | Excellent |
|---|---|---|---|---|
80C only (₹1.5L) Calcrux · incl. 4% cess | 5% → ₹7,800 | 20% → ₹31,200 | 30% → ₹46,800 | |
80C + NPS (₹2L) Calcrux · incl. 4% cess | 5% → ₹10,400 | 20% → ₹41,600 | 30% → ₹62,400 |
Comparison
Calcrux vs ClearTax vs Generic Calculators
| Feature | Calcrux (Free) | ClearTax | Generic |
|---|---|---|---|
| Totals every 80C head | |||
| Shows room left to the ₹1.5L cap | |||
| Separate ₹50k NPS (80CCD-1B) | |||
| Employer NPS 80CCD(2), both regimes | |||
| Flags over-investment waste | |||
| Tax saved at your slab + cess | |||
| Free, no sign-up required |
Common Mistakes
80C Mistakes to Avoid
Over-investing in 80C
Why it matters
Putting more than ₹1.5 lakh into 80C earns no extra deduction — the surplus is locked up for nothing tax-wise.
Fix
Stop at ₹1.5 lakh in 80C, then use the ₹50,000 NPS bucket and 80D health insurance for more deductions.
Forgetting EPF already fills the limit
Why it matters
Salaried people often invest fresh ₹1.5 lakh while their EPF already uses much of the 80C limit — double-counting the cap.
Fix
Include your EPF first; the calculator shows the real room left after it.
Missing the ₹50,000 NPS deduction
Why it matters
Many stop at ₹1.5 lakh and never claim the separate 80CCD(1B) NPS deduction worth up to ₹15,600 in tax.
Fix
Add ₹50,000 to NPS to claim the extra deduction on top of 80C.
Missing employer NPS on the new regime
Why it matters
The new regime disallows 80C and 80CCD(1B), so people assume no NPS break exists — but the employer-NPS deduction under 80CCD(2) is still allowed, and often goes unclaimed.
Fix
On the new regime, enter your employer NPS in the 80CCD(2) field to capture the one deduction you still get; use 80C and 80CCD(1B) only on the old regime.
Chasing tax saving over goals
Why it matters
Buying a poor insurance-cum-investment policy just for 80C can lock money into low returns.
Fix
Pick 80C options that fit your goals — PPF, ELSS, EPF — not just whatever a seller pushes in March.
Pro Tips
Get the Most From 80C
Count EPF before investing more
Your EPF already eats into the ₹1.5 lakh. Check the room left before locking fresh money into PPF or ELSS.
Always claim the NPS ₹50,000
The 80CCD(1B) bucket is over and above 80C — an easy extra ₹15,600 of tax saved at the 30% slab.
Use ELSS for shorter lock-in
Among 80C options, ELSS has the shortest lock-in at 3 years and equity-linked growth — good for younger investors.
Don't wait until March
Spreading 80C investments through the year (especially ELSS SIPs) avoids a last-minute scramble and rupee-cost-averages.
Claim employer NPS too
If your employer contributes to your NPS, the 80CCD(2) deduction is extra — and the one NPS break the new regime still allows. Enter it to capture the saving.
Compare both regimes first
80C only helps under the old regime. Run the income tax calculator to confirm the old regime is actually better for you.
Who Uses This
Who Uses This 80C Calculator
The 80C Calculator works across every stage of the workflow.
Salaried taxpayers
An employee adds EPF, insurance and ELSS to see how much 80C room is left before the March deadline.
New investors planning tax saving
Someone starting out works out how much to put into PPF or ELSS to hit the ₹1.5 lakh limit.
NPS subscribers
A taxpayer checks the extra ₹50,000 NPS deduction on top of their 80C investments.
Home loan borrowers
A borrower sees how much of the 80C limit their home loan principal already uses.
Old-vs-new regime decision-makers
Someone quantifies the 80C tax saving to weigh the old regime against the new one.
Glossary
Key 80C Terms
Every important term you'll encounter in this calculator and the broader topic.
- Section 80C
- The income-tax section allowing a deduction of up to ₹1.5 lakh a year for specified investments and expenses, under the old regime.
- Section 80CCD(1B)
- An extra ₹50,000 deduction for your own NPS contributions, over and above the ₹1.5 lakh 80C limit (old regime only).
- Section 80CCD(2)
- A deduction for your employer's NPS contribution — up to 10% of Basic + DA (private) or 14% (government or new regime), over and above the ₹2 lakh, allowed under both regimes.
- ELSS
- Equity-Linked Savings Scheme — a tax-saving mutual fund with a 3-year lock-in that qualifies under 80C.
- EPF / VPF
- Employees' Provident Fund and its voluntary top-up. Your own contribution counts towards 80C.
- Marginal Slab Rate
- The income-tax rate on your top slice of income. The 80C saving equals the deduction times this rate, plus cess.
- Old vs New Regime
- The old regime allows 80C and most deductions; the new (default) regime has lower rates but disallows them.
Help & answers
Frequently asked questions
Everything you need to know about how the 80C Calculator works.
01What is an 80C calculator?
An 80C calculator adds up your tax-saving investments — EPF, PPF, ELSS, insurance and more — caps them at the ₹1.5 lakh limit, and shows the tax you save at your slab. It also tracks the extra ₹50,000 NPS deduction under 80CCD(1B).
02What is the 80C deduction limit?
Section 80C allows a deduction of up to ₹1.5 lakh a year. Investing more than that earns no extra 80C deduction — though NPS adds a separate ₹50,000 under 80CCD(1B), taking the combined limit to ₹2 lakh.
03How much tax does 80C save?
The saving is your deduction times your slab rate, plus 4% cess. At 30%, a full ₹1.5 lakh 80C deduction saves ₹46,800; adding ₹50,000 of NPS takes the total to ₹62,400. At 20% the ₹1.5 lakh saves ₹31,200.
04What investments qualify under 80C?
EPF and VPF, PPF, ELSS funds, life insurance premiums, NSC, 5-year tax-saver fixed deposits, Sukanya Samriddhi, ULIPs, home loan principal repayment, and children's tuition fees all count under Section 80C.
05Is the NPS ₹50,000 part of the 80C limit?
No. The ₹50,000 NPS deduction under Section 80CCD(1B) is over and above the ₹1.5 lakh 80C limit. So you can claim up to ₹1.5 lakh in 80C plus ₹50,000 in NPS — a combined ₹2 lakh.
06What is the 80CCD(2) employer NPS deduction?
It is a deduction for your employer's NPS contribution, on top of the ₹2 lakh. The cap is 10% of Basic + DA for private employees (old regime) and 14% for government staff or anyone on the new regime. Enter it to add the saving.
07Does 80CCD(2) work under the new tax regime?
Yes — it is the one NPS deduction the new regime keeps. While 80C and 80CCD(1B) are old-regime only, the employer-NPS deduction under 80CCD(2) is allowed under both regimes, at up to 14% of Basic + DA.
08Does 80C work under the new tax regime?
No. Section 80C and 80CCD(1B) deductions are available only under the old tax regime. If you choose the new (default) regime, you cannot claim them, so this calculator is for old-regime taxpayers.
09Does home loan principal count under 80C?
Yes. The principal portion of your home loan EMIs qualifies under 80C (within the ₹1.5 lakh limit). The interest portion is claimed separately under Section 24, up to ₹2 lakh for a self-occupied house.
10Does EPF count towards 80C?
Yes. Your own EPF contribution (and any voluntary VPF) counts under 80C. For many salaried people EPF alone uses a large part of the ₹1.5 lakh limit, leaving less room for other investments.
11What if I invest more than ₹1.5 lakh in 80C?
Anything above ₹1.5 lakh earns no further 80C deduction. The calculator flags the excess so you can redirect new money to NPS (80CCD(1B)), health insurance (80D), or other goals instead.
12How many children's tuition fees can I claim?
Tuition fees for up to two children, paid to an Indian school, college or university, qualify under 80C. Only the tuition component counts — not donations, development fees, or transport.
13Is ELSS better than other 80C options?
ELSS has the shortest lock-in (3 years) and the potential for higher, market-linked returns, but it carries equity risk. PPF and NSC are safer and fixed-return. The right mix depends on your risk appetite and goals.
14Is this 80C calculator free and accurate?
Yes — it is free, needs no sign-up, and uses the ₹1.5 lakh 80C and ₹50,000 80CCD(1B) limits for FY 2025-26. The tax saved assumes the slab you select; confirm your regime and slab before relying on it.
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