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Free tool · Deductions

Watch your tax fall, line by line.

Enter PPF, ELSS, NPS, 80D and home-loan interest and see your old-regime tax drop in real time — and we'll tell you honestly if the new regime would have saved more.

Your situation

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80C deductions only work in the OLD regime. Under the new regime (default since FY 2024-25) these don't reduce tax. We show both regimes below — switch only if old wins for you.

Your investments

80C bucket — capped at ₹1.5L
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₹50K beyond 80C
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Counts ON TOP of the ₹1.5L 80C cap. Don't double-count NPS in the 80C breakdown.

max ₹25K
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max ₹25K
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max ₹2L
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But check this: New regime would cost ₹1,09,200 in tax (no deductions) — ₹1,32,600 LESS than your old-regime plan, even after your investments. You'd be better off in new regime, without locking ₹1,00,000 in PPF/ELSS/NPS.

How your old-regime tax falls

Without these investments (old)₹2,73,000
With your investments (old)₹2,41,800
You save₹31,200

Tax saved per ₹1 invested: ₹0.31

Where to put your money

Long-term safety→ PPF / Sukanya Samriddhi
Market upside, 3yr lock→ ELSS mutual funds
Retirement→ NPS Tier-1 + 80CCD(1B) extra ₹50K
Already paying for these?→ Life insurance + tuition
Have a home loan?→ Principal in 80C + interest in 24b

Consult a SEBI-registered advisor before allocating.

Take it with you

Take the plan with you

Every deduction claimed, what each is worth at your marginal rate, and exactly how much ceiling is left in each section — so the 31 March scramble is a checklist rather than a guess.

No email, no signup — the PDF downloads straight to your device.

Track 80C automatically inside HourSlip — try free →

How this works

Make every deduction count.

How much can I save under Section 80C?
The 80C cap is ₹1,50,000 per FY. At a 30% marginal rate (income above ₹15L old regime), that’s ₹46,800 tax saved. At 20% slab it’s ₹31,200. Add ₹50K via 80CCD(1B) NPS extra and ₹25K via 80D health insurance and the total saving can exceed ₹70,000/year.
Does 80C work under the new tax regime?
No. The new regime (default from FY 2024-25 for individuals) does not honour Chapter VI-A deductions including 80C, 80CCD(1B), 80D, or 24(b). Only standard deduction (for salaried) and employer NPS contribution survive. Our tool shows both regimes side-by-side so you can confirm old regime is actually better for you before locking money.
Can freelancers under 44ADA claim 80C?
Yes, but only in the old regime. Under 44ADA, your taxable income is 50% of gross receipts; 80C, 80D, 80CCD(1B), and 24(b) deductions all apply on top, further reducing the taxable amount. This makes the old regime + 44ADA combination very effective for freelancers with substantial deductions.
PPF vs ELSS vs NPS — which is best for 80C?
The tax saving is identical for any ₹1 contributed to any 80C instrument (capped at ₹1.5L total). The choice is about returns, lock-in, and risk: PPF (7.1% guaranteed, 15-year lock), ELSS (~12% historical, 3-year lock, equity risk), NPS Tier-1 (~10% mixed, locked till 60). Match to your goal — don’t pick on tax alone.
When’s the deadline to invest for FY 2026-27?
31 March 2027. Investments made between 1 April 2026 and 31 March 2027 count toward FY 2026-27 (assessment year 2027-28). Download the deduction plan below — it lists what you've committed against each section's ceiling, so the last week of March is a checklist rather than a scramble.

Section 80C deductions only apply under the old regime. The new regime (default since FY 2024-25) ignores these deductions but offers a higher 87A rebate (zero tax up to ₹12L taxable). Allocations are informational — consult a SEBI-registered advisor before locking funds.

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