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Section 80C Calculator 2025-26

Calculate Section 80C tax deductions for FY 2025-26 and plan your investments. Compare ELSS, PPF, EPF, NSC and other options to maximize your ₹1.5 lakh tax savings limit.

₹1.5L Deduction LimitInvestment ComparisonTax Savings PlannerPortfolio Optimizer
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₹3L₹50L

Section 80C deductions available up to ₹1.5 lakh

Section 80C Investments

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Annual Tax Savings

₹33.00 K

Section 80C Deduction: ₹1.10 L

Total Investments

₹1.10 L

Remaining Limit

₹40.00 K

Section 80C Utilization73%
₹0₹1.5L

Section 80C Investment Options

ELSS

Returns:12-15%
Lock-in:3 years
Risk:
High

PPF

Returns:7.1%
Lock-in:15 years
Risk:
Low

EPF

Returns:8.25%
Lock-in:Retirement
Risk:
Low

NSC

Returns:6.8%
Lock-in:5 years
Risk:
Low

Life Insurance

Returns:4-6%
Lock-in:Long term
Risk:
Low

Tax Saver FD

Returns:5-6%
Lock-in:5 years
Risk:
Very Low

Personalized Recommendations

You can save ₹12,000 more in taxes by investing the remaining ₹40,000 limit.
Consider increasing ELSS investment for equity exposure with tax benefits.
PPF offers tax-free returns and should be considered for long-term goals.

Suggested Investment Strategy

High Returns (40%): ELSS for equity exposure and wealth creation
Stable Returns (40%): PPF for long-term tax-free growth
Insurance (20%): Term life insurance for protection

Tax Planning Timeline

  • April-May: Start early investments like PPF
  • June-September: ELSS SIPs and EPF planning
  • October-December: Insurance and NSC investments
  • January-March: Last-minute tax saver FDs

Important Considerations

  • Diversify across asset classes for balanced portfolio
  • Consider liquidity needs and lock-in periods
  • Don't invest just for tax savings, focus on returns
  • Review and rebalance portfolio annually

Complete Guide to Section 80C Investments

Equity Linked Savings Scheme (ELSS)

Returns:12-15% (Market Linked)
Lock-in:3 Years
Risk:High
Tax on Maturity:LTCG if > ₹1L

Best for young investors seeking wealth creation with shortest lock-in period among 80C options.

Public Provident Fund (PPF)

Returns:7.1% (Government Guaranteed)
Lock-in:15 Years
Risk:Very Low
Tax on Maturity:Tax Free

Ideal for conservative investors seeking guaranteed returns with complete tax exemption.

Employee Provident Fund (EPF)

Returns:8.25% (Government Set)
Lock-in:Till Retirement
Risk:Very Low
Tax on Maturity:Tax Free (5+ years)

Mandatory for salaried employees with stable returns and employer contribution matching.

National Savings Certificate (NSC)

Returns:6.8% (Fixed)
Lock-in:5 Years
Risk:Very Low
Tax on Maturity:Taxable

Government-backed investment with fixed returns, suitable for risk-averse investors.

Life Insurance Premium

Returns:4-6% (ULIP/Endowment)
Lock-in:Policy Term
Risk:Low-Medium
Tax on Maturity:Tax Free (conditions)

Combines insurance protection with tax saving. Term insurance + investment often better.

Tax Saver Fixed Deposit

Returns:5-6% (Fixed)
Lock-in:5 Years
Risk:Very Low
Tax on Maturity:Taxable

Last-minute tax saving option with guaranteed returns but lower growth potential.

Section 80C Rules and Regulations

📋 Eligibility and Limits

Maximum Deduction:₹1,50,000 per year
Available in:Old Tax Regime Only
Eligible Taxpayers:Individuals & HUF
Age Restriction:None
Income Limit:None

📝 Documentation Required

Investment receipts and certificates
Bank statements for PPF/EPF contributions
Life insurance policy documents
ELSS mutual fund statements
Home loan principal repayment certificate
Children's tuition fee receipts

Tax Savings with Full Section 80C Utilization

Annual IncomeTax BracketTax SavedWith 4% CessTotal Savings
₹2.5L - ₹5L5%₹7,500₹300₹7,800
₹5L - ₹10L20%₹30,000₹1,200₹31,200
Above ₹10L30%₹45,000₹1,800₹46,800

*Calculations based on maximum Section 80C investment of ₹1.5 lakh per financial year

Smart Section 80C Allocation Strategies

🚀 Aggressive Growth (Age 25-35)

ELSS (60%):₹90,000
PPF (25%):₹37,500
Life Insurance (15%):₹22,500

Maximize equity exposure for long-term wealth creation. High risk tolerance allows for growth-focused allocation.

⚖️ Balanced Approach (Age 35-45)

ELSS (40%):₹60,000
PPF (40%):₹60,000
Life Insurance (20%):₹30,000

Equal focus on growth and stability. Increased insurance for family protection while maintaining growth potential.

🛡️ Conservative Stability (Age 45+)

PPF (50%):₹75,000
ELSS (25%):₹37,500
NSC/FD (25%):₹37,500

Focus on capital preservation and guaranteed returns. Lower equity exposure as retirement approaches.

Financial Calculator FAQs

Everything you need to know about income tax calculations

Section 80C allows tax deduction up to ₹1.5 lakh per year on specific investments: EPF, PPF, ELSS mutual funds, life insurance premiums, NSC, tax-saving FDs, home loan principal repayment, children's tuition fees, and Sukanya Samriddhi Yojana.

Need More Help?

Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.

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