Section 80C Deduction Calculator India — Maximise ₹1.5 Lakh Limit
Real-World Examples — 2026
Maximising 80C deduction at ₹15 lakh income
For ₹15 lakh income at the 20% slab, claiming full ₹1.5 lakh under 80C saves ₹31,200 in tax (including 4% cess). The best mix: ELSS (returns + tax efficiency), EPF (guaranteed), and PPF (risk-free, compounding).
Partial 80C utilisation — ₹80,000 invested
If you've invested ₹80,000 in 80C instruments, you still have ₹70,000 of unutilised limit. Consider PPF top-up before 31 March to maximise deduction and avoid leaving tax savings on the table.
Frequently Asked Questions
What is the maximum Section 80C deduction?
The maximum deduction under Section 80C is ₹1,50,000 per financial year. This limit has not changed since FY 2014-15. Investments beyond ₹1.5 lakh get no additional 80C benefit, though they may still be worthwhile as investments.
Which investments qualify for Section 80C?
Eligible investments: EPF/VPF contributions, PPF, ELSS mutual funds, NSC, 5-year tax-saver FD, SSY (Sukanya Samriddhi), SCSS, life insurance premiums (LIC etc.), home loan principal repayment, children's tuition fees (up to 2 children), NPS employee contribution (within limit).
Is Section 80C available under the new tax regime?
No. Section 80C deductions are not available under the new tax regime introduced from FY 2020-21. If you opt for the new regime, investments like PPF, ELSS, and LIC premiums still grow but you cannot claim them as deductions.
Is the Section 80C Calculator free?
Yes, the Section 80C Calculator on CalcPhi is completely free with no registration required.
Are my inputs stored?
No. All calculations run in your browser. We do not store any financial data.
Can I use the Section 80C Calculator on mobile?
Yes. CalcPhi is fully mobile-optimised and works on all modern smartphones.