How much of 80C, 80CCD(1B) and 80D you have used, and the old-regime tax it saves
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.Under the old regime for FY 2026-27, 80C allows up to ₹1,50,000, NPS under 80CCD(1B) another ₹50,000, and 80D up to ₹25,000 for your family and ₹25,000 for parents, or ₹50,000 each for senior citizens. The new regime, the default, allows none of these except the employer's NPS contribution.
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.
Pick "Your age" and type your "Income after standard deduction and exemptions, before these deductions".
Replace the example 80C figures, such as "EPF / VPF (your share)", "PPF" and "ELSS mutual funds", and add "Your own NPS (80CCD(1B) first)".
Type the "Health insurance premium" and "Parents’ premium", and turn on the senior citizen toggles that apply.
Read the "Tax saved" figure for the old regime and "Old-regime tax after", then press "Share result".
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.
The Income-tax Act, 2025 renumbered the sections but kept the limits. The old names are used here because they are the ones people know.
| Old name | New section | Limit |
|---|---|---|
| 80C | 123 and Schedule XV | ₹1,50,000 |
| 80CCD(1B), own NPS | 124(3) | ₹50,000, on top of 80C |
| 80D, you and family | 126(2)(a) | ₹25,000, or ₹50,000 if a senior citizen is insured |
| 80D, parents | 126(2)(b) | ₹25,000, or ₹50,000 for senior citizens |
| Health check-up | 126(3) | ₹5,000 in all, inside the 80D limits |
An uninsured senior citizen can claim up to ₹50,000 of medical bills instead of a premium. If your own NPS contribution is more than ₹50,000, the calculator puts the extra into 80C, which is allowed within 10% of salary.
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.
It does not check the finer conditions, such as the 10% of sum assured cap on life premiums, lock-in periods or payment by cash. Limits were checked on 30 September 2026.
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.
No. Up to ₹5,000 of health check-ups can be claimed, but inside the 80D limits, not on top of them, and the ₹5,000 covers you and your parents together. A check-up is the one 80D payment that may be made in cash; premiums must be paid by any other mode.
An extra ₹50,000 for your own contribution to NPS, over and above the ₹1,50,000 of 80C, under section 124(3) of the new Act. The same rupee cannot be claimed twice. If you put more than ₹50,000 into NPS, the calculator counts the extra under 80C, which allows NPS within 10% of salary.
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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