✅ Free Tool — FY 2025-26 Updated
Section 80C / 80D Tax Deduction Planner India 2025-26
Enter your income and existing investments to see exactly how much tax you can save. Plan ELSS, PPF, LIC, NPS, health insurance and 15+ deductions. Instant results, no login required.
80C limit (2025-26): ₹1,50,000 per year (old regime only) · Covers ELSS, PPF, LIC, EPF, NSC, home loan principal, tuition fees.
80D limit: ₹25,000 self+family (₹50,000 if senior citizen) + ₹25,000 parents (₹50,000 if senior citizen parents).
Extra NPS: Additional ₹50,000 under 80CCD(1B) — total deduction potential: ₹2,00,000+.
Income Details
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Section 80C Investments Max ₹1,50,000
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80C Used
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Enter your 80C investments above
Section 80CCD(1B) — Additional NPS
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Section 80D — Health Insurance
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Other Deductions
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💰 Your Tax Savings
FY 2025-26 · Old Tax Regime
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Tax Saved via Deductions
Gross Income—
Standard Deduction—
HRA Exemption—
Section 80C—
NPS 80CCD(1B)—
Section 80D—
Home Loan Interest—
Other Deductions—
Taxable Income—
Tax without deductions₹0
Tax with deductions₹0
Effective tax rate0%
80C remaining capacity₹1,50,000
Extra NPS potential₹50,000
📋 Complete Section 80C / 80D Deductions Reference — FY 2025-26
All eligible investments and expenses for tax deductions under the old tax regime.
| Section | Investment / Expense | Maximum Limit | Lock-in |
|---|---|---|---|
| 80C | ELSS Mutual Fund | ₹1,50,000 | 3 years |
| 80C | PPF | ₹1,50,000 | 15 years |
| 80C | LIC / Life Insurance Premium | ₹1,50,000 | Policy term |
| 80C | EPF Employee Contribution | ₹1,50,000 | Till retirement |
| 80C | NSC / 5-Year Tax-Saver FD | ₹1,50,000 | 5 years |
| 80C | Home Loan Principal Repayment | ₹1,50,000 | — |
| 80C | Sukanya Samriddhi Yojana | ₹1,50,000 | 21 years |
| 80C | Children's Tuition Fees | ₹1,50,000 | — |
| 80CCD(1B) | NPS (additional) | ₹50,000 extra | Till 60 |
| 80D | Health Insurance — Self & Family | ₹25,000 / ₹50,000 sr | — |
| 80D | Health Insurance — Parents | ₹25,000 / ₹50,000 sr | — |
| 24(b) | Home Loan Interest | ₹2,00,000 | — |
| 80E | Education Loan Interest | No limit (8 years) | — |
| 80G | Charitable Donations | 50% or 100% | — |
| 80TTA | Savings Account Interest | ₹10,000 / ₹50,000 sr | — |
📖 How to Use This Tax Deduction Planner
- Enter Your Gross IncomeType your annual salary or total income before any deductions. Select your age group — senior citizens get higher 80D limits.
- Fill in Your 80C InvestmentsEnter amounts you have invested or plan to invest in each 80C instrument — ELSS, PPF, LIC, EPF, NSC, home loan principal etc. The progress bar shows how much of your ₹1.5 lakh limit is used.
- Add NPS Contribution (80CCD)If you contribute to NPS, enter the amount here for the extra ₹50,000 deduction over and above 80C. This is often overlooked and can save ₹15,000+ in tax.
- Enter Health Insurance Premiums (80D)Add your premium for self+family and parents separately. Senior citizen parents qualify for higher limits of ₹50,000.
- See Your Total Tax SavingsThe results panel on the right updates in real time. The green number at the top shows your total tax saved. Smart suggestions show where you can save even more.
✅ Why Use This Deduction Planner
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15+ Deductions
Covers all major sections — 80C, 80D, 80CCD, 24b, 80E, 80G, 80TTA — in one place.
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Live Progress Bar
Instantly see how much of your ₹1.5 lakh 80C limit is used and what's remaining.
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Smart Suggestions
Personalised tips on exactly where to invest more to save additional tax.
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Senior Citizen Support
Higher 80D limits for senior citizens and super senior citizens auto-applied.
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100% Private
No data stored. Runs entirely in your browser. No login, no sign-up needed.
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Budget 2025 Updated
₹75,000 standard deduction and all 2025-26 slabs included.
❓ Frequently Asked Questions
Section 80C allows deductions up to ₹1,50,000 per year under the old tax regime. It covers ELSS, PPF, LIC premium, NSC, EPF, 5-year tax-saver FD, home loan principal repayment, tuition fees for children, and more. This limit has not changed since FY 2014-15.
Section 80D allows deduction for health insurance premiums. You can claim up to ₹25,000 for yourself and family (₹50,000 if you are a senior citizen). An additional ₹25,000 (or ₹50,000 for senior citizen parents) is allowed for parents' health insurance. Maximum combined deduction under 80D is ₹1,00,000.
Section 80CCD(1B) allows an additional deduction of up to ₹50,000 for NPS (National Pension System) contributions, over and above the ₹1.5 lakh 80C limit. This effectively increases your total tax-saving deduction to ₹2 lakh. At 30% tax rate, this alone saves ₹15,600 in additional tax.
ELSS mutual funds offer the lowest lock-in of 3 years with market-linked returns — historically 12-15% CAGR. PPF provides guaranteed tax-free returns at ~7.1% with 15-year lock-in. EPF is mandatory and safe. NSC and 5-year FD offer guaranteed returns. LIC covers life risk. The best choice depends on your risk appetite — ELSS for growth, PPF/NSC for safety.
No. Section 80C, 80D, HRA, and most other deductions are not available under the new tax regime 2025-26. The new regime offers lower tax rates but without deductions. If your total deductions (80C + 80D + HRA + home loan etc.) exceed approximately ₹3.75 lakh, the old regime may still save you more tax. Use our Income Tax Calculator to compare both regimes.
Maximum savings: 80C (₹1.5L) + NPS 80CCD(₹50K) + 80D self (₹25K) + 80D parents (₹25K) + Home loan interest 24b (₹2L) = ₹4.5 lakh total deductions. At 30% tax bracket + 4% cess, this saves approximately ₹1.40 lakh per year. Even at 20% rate, total savings would be ₹93,600.
📊 Compare Old vs New Tax Regime
See which regime saves you more money based on your actual deductions.