80C Investment Planner

Check your 80C deduction, NPS benefits, and get a New Regime vs Old Regime comparison — FY 2026-27 (AY 2027-28). IT Act 1961 s.80C [s.118 IT Act 2025].

📈 80C Investments (Within ₹1,50,000 Limit)

Max deduction u/s 80C: ₹1,50,000 | Available in Old Regime only

EPF / PF (Employee Contribution) (₹)

PPF Investment (₹)

Life Insurance Premium (₹)

ELSS / Tax Saver Mutual Fund (₹)

NSC (National Savings Certificate) (₹)

5-Year Bank FD (₹)

Tuition Fees - Children (₹)

Home Loan Principal Repayment (₹)

Sukanya Samriddhi Yojana (₹)

NPS Own Contribution u/s 80CCD(1) [s.122(1) IT Act 2025] (₹)

Included within ₹1,50,000 cap

ULIP / Pension Plan (₹)

Stamp Duty on Property (₹)

Other 80C (SCSS, KVP etc.) (₹)

🏛 NPS Additional Deductions

NPS gives TWO extra deductions beyond ₹1,50,000

80CCD(1B) — Own NPS Additional [s.122(1B) IT Act 2025] (₹)

⭐ Extra ₹50,000 — Old Regime only

80CCD(2) — Employer NPS Contribution [s.122(2) IT Act 2025] (₹)

✓ Available in BOTH Old and New Regime

💸 Income Details

Gross Total Income (₹) *

💡

Enter your investments

Results and New vs Old Regime comparison appear automatically

About This Tool

The Section 80C Investment Planner helps you maximise your tax deductions under Section 80C of the Income Tax Act. The maximum deduction under Section 80C (combined with 80CCC and 80CCD(1)) is ₹1,50,000 per financial year under the old tax regime. This tool helps you plan investments across PPF, ELSS, NSC, LIC premium, home loan principal repayment, and children's tuition fees to fully utilise this limit.

How to Use

Enter existing 80C investments already made (LIC premium paid, EPF deducted from salary, etc.).
Add planned investments: PPF, ELSS, NSC, tax-saving FD, ULIP, or Sukanya Samriddhi.
The planner shows your running total against the ₹1,50,000 limit.
It highlights remaining capacity so you know exactly how much more to invest before 31 March.
Use the result to decide the best allocation across instruments before the financial year ends.

Frequently Asked Questions

What is the 80C deduction limit for FY 2026-27?

The maximum deduction under Section 80C (combined with 80CCC and 80CCD(1)) is ₹1,50,000 per financial year. This is available only under the old tax regime — not under the new regime.

Can I claim 80C under the new tax regime?

No. Section 80C deductions are not available under the new (default) tax regime under Section 115BAC. They apply only if you opt for the old regime.

Which investments qualify under Section 80C?

PPF, ELSS mutual funds, NSC, 5-year tax-saving FD, LIC premium, EPF employee contribution, home loan principal repayment, Sukanya Samriddhi, and children's tuition fees all qualify.