How much of the ₹1.5 lakh 80C limit your EPF, PPF, ELSS and insurance already use
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.Section 80C, now section 123 of the Income-tax Act, 2025, lets you deduct up to ₹1,50,000 a year of EPF, PPF, ELSS, life insurance premium, home loan principal, tuition fees and a few other savings, but only under the old regime. Your EPF share often fills much of it before you invest anything. Enter what you pay to see how much room is left and what filling it would save.
FY 2026-27 · Rates and rules read from Income-tax Act, 2025 (Act 30 of 2025), Gazette of India, 21 Aug 2025 on 30 Oct 2026; they may have changed since.
Type your "Income after standard deduction and exemptions, before these deductions".
Enter your "EPF / VPF (your share)" first, since it often fills much of the 1.5 lakh limit.
Add "PPF", "ELSS mutual funds", "Life insurance premium", "Home loan principal" and "Tuition fees (up to 2 children)".
Read "80C used of" the limit and "80C room left"; the "80C and NPS" tab below is already open with each head.
Enter your income and what you pay into tax-saving heads, and the calculator shows how much of each limit you have used, what is left, and how much tax the deductions save under the old regime for FY 2026-27. It is free, runs in your browser, and nothing you type leaves it.
No. The new regime, which applies unless you choose the old one, allows none of 80C, 80CCD(1B) or 80D. The main deduction it keeps is the employer's NPS contribution under section 124(1), commonly called 80CCD(2). So these deductions are worth something only if the old regime works out cheaper for you; the income tax calculator compares the two.
The tax is calculated twice under the old regime, once on your income before these deductions and once after, using the FY 2026-27 slabs, the ₹12,500 rebate up to ₹5,00,000, any surcharge and the 4% cess. The difference is the saving. It also shows your marginal rate and what filling the rest of the 80C limit would save.
The rest of the article, and all 6 questions about 80C and 80D Deduction Calculator, are on the 80C and 80D Deduction Calculator page.
The limit is ₹1,50,000 a year, now in section 123 of the Income-tax Act, 2025. EPF, PPF, ELSS, life insurance premium, home loan principal, tuition fees for up to two children, NSC, Sukanya Samriddhi, five-year tax-saving deposits and SCSS all share that one limit. Paying more than ₹1,50,000 in total gives no extra deduction.
No. Section 202 of the Income-tax Act, 2025 lets the new regime allow only a few deductions, chiefly the employer's NPS contribution under section 124(1), known as 80CCD(2). Your own 80C investments, 80CCD(1B) NPS and 80D health insurance count only if you choose the old regime for the year.
Up to ₹25,000 a year, or ₹50,000 if your parents are senior citizens, separate from the limit for yourself, spouse and children. So a person under 60 insuring senior-citizen parents can claim up to ₹75,000 in all, and someone who is a senior citizen with senior parents up to ₹1,00,000.
Between nothing and ₹46,800. At the 30% slab it saves 31.2% after cess, ₹46,800; at the 20% slab ₹31,200; at the 5% slab ₹7,800. If your income is already within the ₹5,00,000 rebate limit of the old regime, it saves nothing, because the tax would have been zero anyway.
Rates and rules change; check the source before you rely on a figure.
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Same job, other tools: Marginal Relief Calculator – How marginal relief cuts the tax on income just above ₹12 lakh in the new regime · New Tax Regime Calculator – Tax under the default regime, including the rebate and marginal relief · TDS on FD for Senior Citizens – Whether a bank deducts TDS on a senior citizen’s FD interest under the ₹1 lakh limit.
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