Section 80C Tax Planner

Max Rs 1.5L 80C deduction — ELSS, PPF, LIC, NPS planned

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Section 80C Tax Planner is a free, browser-based tool that lets you max rs 1.5l 80c deduction — elss, ppf, lic, nps planned — with zero signup, zero installation. Your data never leaves your browser. Part of 138+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

TOOLSection 80C Tax Planner

Annual Income (Rs)

₹12,00,000

Your tax slab (new regime)

15% — 15% slab

Section 80C Progress₹0 / ₹1,50,000

₹1,50,000 remaining0% filled

80C Investment Details

ELSS Mutual Funds3 years~12-15%

Best return potential, shortest lock-in

PPF (Public Provident Fund)15 years7.1%

Guaranteed, tax-free returns

Life Insurance Premium (LIC)Policy termVaries

Life cover + savings

Home Loan Principal RepaymentLoan tenureAsset building

Section 80C benefit on principal

Children's Tuition FeesN/AN/A

Max 2 children, full-time education

NSC (National Savings Certificate)5 years7.7%

Post office savings, guaranteed

Tax Saver FD (5-year)5 years~7%

Bank FD with 80C benefit

ULIP (Unit Linked Insurance Plan)5 yearsMarket-linked

Insurance + investment combo

Sukanya Samriddhi Yojana (SSY)21 years8.2%

For girl child, highest guaranteed rate

Employee PF (EPF)Till retirement8.15%

Auto-deducted from salary

NPS Contribution — Section 80CCD(1B)

Additional Rs 50,000 deduction over and above 80C limit

Recommendations to maximize savings

Invest ₹50,000 in ELSS for best return potential (12-15% avg, 3-yr lock-in)
Add ₹1,50,000 to PPF for guaranteed 7.1% tax-free returns
Consider SSY if you have a girl child — highest guaranteed rate at 8.2%

Start adding investment amounts above to see tax savings

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About Section 80C Tax Planner

Section 80C of the Income Tax Act allows deductions up to Rs 1.5 lakh per year on investments in designated instruments — but not all Rs 1.5 lakh needs to come from a new investment. Employee PF, life insurance premiums, home loan principal repayment, and children's tuition fees already count. Many taxpayers inadvertently over-invest in ELSS or PPF without realising their 80C is already partially filled. This planner maps what you've already invested and shows exactly how much room remains.

How It Works

Enter amounts for each 80C-eligible instrument: ELSS, PPF, LIC premium, NSC, ULIP, Sukanya Samriddhi Yojana, tax-saving FD, tuition fees for up to two children, and home loan principal repayment. The tool aggregates all entries and shows a visual progress bar filling toward the Rs 1.5 lakh limit.

Your income is used to auto-detect the applicable tax slab (5%, 20%, or 30%). The tax saving is computed as: Unfilled Gap × Tax Rate. If you have already maxed 80C, the tool highlights that additional investments in these instruments will not reduce tax further under 80C (though returns from the investment may still be beneficial).

An optional NPS field captures Section 80CCD(1B) contributions (up to Rs 50,000 additional deduction), which is shown as a separate block beyond the 80C limit.

Who Is This For

A salaried employee in the 30% bracket discovering their EPF contribution alone fills Rs 72,000 of the 80C limit, meaning they only need Rs 78,000 more.

A parent paying tuition fees for two children in private school who realises fees already exceed the 80C limit before any active investment.

A homeowner with a Rs 40 lakh home loan whose principal repayment in the first few years fully maxes out the 80C limit.

An employee planning their December investment declarations who wants to allocate the remaining 80C gap intelligently between ELSS and PPF.

Scope note: Section 80C deductions apply only under the Old Tax Regime. Under the New Regime, 80C deductions are not available. The Rs 1.5 lakh limit is shared across all 80C instruments — contributions above this total do not provide additional tax deduction, though the investment itself may still grow. Employer NPS contribution under 80CCD(2) has a separate limit and is not included in the 80C planner.

Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.

How to Use

Enter your annual income to auto-detect your tax slab

Add amounts for each 80C instrument — ELSS, PPF, LIC, NSC, etc.

Watch the progress bar fill towards the Rs 1.5 lakh limit

Add NPS contribution for additional Rs 50,000 deduction under 80CCD(1B)

Frequently Asked Questions

The maximum deduction under Section 80C is Rs 1,50,000 per financial year. This includes investments in ELSS, PPF, LIC premiums, NSC, ULIP, home loan principal, tuition fees, and more.

Yes. Under Section 80CCD(1B), an additional Rs 50,000 can be claimed for NPS contributions, over and above the Rs 1.5 lakh 80C limit. This makes the total possible deduction Rs 2 lakh.

ELSS mutual funds offer the best return potential (~12-15%) with the shortest lock-in (3 years). PPF offers guaranteed 7.1% returns tax-free. LIC provides life cover. Choose based on your risk appetite and goals.

No. Section 80C deductions are only available under the Old Tax Regime. Under the New Regime (introduced in 2020), most deductions including 80C are not applicable.

Lock-in periods vary significantly: ELSS has the shortest at 3 years, NSC is 5 years, PPF is 15 years (with partial withdrawals after 7), ULIP is 5 years, and Sukanya Samriddhi Yojana runs until the daughter turns 21. Tax-saving FDs have a 5-year lock-in. Choose based on when you need the money back.

Yes. Your employee PF contribution (typically 12% of basic salary) counts toward the Rs 1.5 lakh 80C limit. For many salaried employees, PF alone may fill a significant portion of the limit — reducing the room for additional ELSS or PPF investment.

Senior citizens can invest in tax-saving FDs (banks often offer higher rates to seniors), NSC, PPF, and ELSS. However, PPF has a mandatory 15-year tenure — starting it in your 60s may not make practical sense unless planning to pass benefits to a spouse. Senior Citizens' Savings Scheme (SCSS) offers 8.2% but does not come under 80C.