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Section 80C Tax Saving Calculator

↻ Updated FY 2026-27

Add up your Section 80C investments — EPF, PPF, ELSS, insurance, home-loan principal, tuition and NSC — against the ₹1.5 lakh cap and see how much tax you save at your marginal rate. Everything runs in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
EPF (employee)
PPF
ELSS mutual funds
Life insurance premium
Home-loan principal
Children's tuition fees
NSC
Your marginal tax rate
Highest slab your income falls in (old regime)
Tax saved
₹37,440
at 30% + cess
80C claimed
₹1,20,000
of ₹1.5L cap
Unused / excess
₹30,000
cap remaining
Toward the ₹1.5L cap
Claimable₹1,20,000
Cap unused₹30,000
Your 80C investments
EPF₹30,000
PPF₹50,000
ELSS₹25,000
Life insurance₹15,000
Home-loan principal₹0
Tuition fees₹0
NSC₹0
Total invested₹1,20,000
Deductible (capped ₹1.5L)₹1,20,000
ASSUMPTIONS — FY 2026-27. Section 80C deductions are capped at ₹1,50,000 in aggregate and are available only under the old regime. Tax saved = deductible amount × your marginal rate × 1.04 (4% cess). Anything above the cap gives no extra deduction. Estimate only — consult a CA.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.