Maximum Deduction
Section 80C Optimizer
Maximize your tax savings under Section 80C
Plan your investments across EPF, PPF, ELSS, NSC and other 80C instruments to claim maximum deduction of Rs 1.5 lakh.
Max Rs 1.5 Lakh
10+ Investment Options
Tax Saving Calculator
Applicable Regime
Old Tax Regime
Popular Choice
ELSS (3-yr lock-in)
Enter your 80C investments
Add all your Section 80C eligible investments for the financial year.
About Section 80C
- Section 80C allows deduction up to Rs 1,50,000 per financial year
- Available only under Old Tax Regime
- Includes EPF, PPF, ELSS, NSC, Tax Saver FD, Life Insurance, etc.
- ELSS has shortest lock-in of 3 years among 80C options
Tax Planning: Detailed Guide
This tax calculator helps you estimate your liability using the inputs you provide and current rule assumptions in this tool. Use it to build a practical tax strategy around income, deductions, capital gains, withholding, and advance payments. The output is best used as a planning estimate and should be reviewed with your actual documents, filing status, and eligible exemptions before final tax filing.
For better planning quality, test multiple scenarios across income levels, deduction usage, holding periods, and tax rates. Small changes in taxable income, exemption eligibility, or surcharge and cess exposure can materially impact final outgo. Recalculate during the year whenever salary structure changes, investment actions occur, or tax rules are updated for your filing year.
How to use tax calculators effectively
Start with accurate numbers from Form 16, AIS/TIS, broker statements, rent receipts, loan certificates, and investment records. Split your calculations by salary, business, capital gains, and other income heads so you can identify where optimization opportunities actually exist.
Common tax planning mistakes to avoid
Taxpayers often mix financial-year and assessment-year data, miss deduction limits, or assume all gains are taxed at slab rates. Another frequent mistake is waiting until the filing deadline instead of planning across the year, which reduces options for better tax efficiency.
Build a complete tax strategy
Use income tax, HRA, section-based deduction, capital gains, TDS, and refund estimators together for a complete view. This integrated approach helps you improve compliance, reduce surprises at filing time, and make better cash-flow decisions through the year.