Tax Saving Optimizer
Find exactly how much you can save under 80C, 80D, and NPS — with personalized recommendations.
How to Use
- 1
Enter your annual income
Type your gross annual salary.
- 2
Enter current 80C investments
Add your EPF, PPF, ELSS, LIC premium, and other Section 80C investments.
- 3
Enter 80D and NPS contributions
Add health insurance premium and NPS contributions.
- 4
View optimization suggestions
See how much of your 80C limit remains and which investments can save you the most tax.
Frequently Asked Questions
Section 80C allows a maximum deduction of ₹1,50,000 per year. Eligible investments include EPF, PPF, ELSS, LIC premiums, NSC, home loan principal repayment, and more. This tool shows how much of the ₹1,50,000 limit you have already used and how much room is left.
Section 80CCD(1B) allows an additional deduction of up to ₹50,000 for contributions made to the National Pension System (NPS), over and above the ₹1,50,000 limit under 80C. This is available only under the old regime.
The new regime offers lower slab rates and a ₹75,000 standard deduction but does not allow 80C, 80D, or HRA deductions. The old regime is better if your total deductions exceed roughly ₹3-4 lakh. Use the regime toggle in this tool to compare both.
The tool uses official FY 2024-25 slab rates, standard deduction amounts, and section limits for a close estimate. It includes the 4% health & education cess and Section 87A rebate. For filing returns, always verify with a CA or the Income Tax portal.