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80C, 80D, 80G Deductions Calculator

Calculate maximum tax savings under Chapter VI-A deductions including Section 80C, 80D, 80G, 80E, and 80TTA. Plan your investments and optimize tax liability under the Old Tax Regime.

Chapter VI-A Deductions - Old Tax Regime
Maximum ₹2,25,000+ Deductions Available
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Deduction Calculation Parameters

Available Only in Old Tax Regime
Chapter VI-A deductions available only under Old Tax Regime
Not available in New Tax Regime (except specific sections)
₹
₹12,00,000
Different limits for health insurance under Section 80D based on age
Section 80C Deductions (Limit: ₹1,50,000)
EPF/PPF Contribution
Provident Fund Contributions
Life Insurance Premium
Life insurance policies
ELSS Mutual Funds
Tax saving mutual funds
Home Loan Principal
Principal repayment
₹1,50,000 / ₹1,50,000 (100% utilized)
Section 80D - Health Insurance (Limit: ₹25,000-₹1,00,000)
Self & Family Insurance
Limit: ₹25,000 (₹50,000 for seniors)
Parents Insurance
Limit: ₹25,000 (₹50,000 for senior parents)
Preventive Health Checkup
Limit: ₹5,000 (included in overall limit)
₹55,000 / ₹55,000 (100% utilized)
Other Deductions
NPS Additional (80CCD(1B))
Limit: ₹50,000 (additional to 80C)
Education Loan (80E)
No limit for 8 years
Donations (80G)
50% or 100% of donation amount
Savings Account (80TTA)
Limit: ₹10,000 (₹50,000 for seniors 80TTB)
Smart Investment Tips
Maximize 80C limit of ₹1.5 lakhs with optimal mix of ELSS, PPF, and insurance
Utilize additional ₹50,000 NPS deduction under 80CCD(1B)
Claim full health insurance premium for self and parents under 80D

Your Tax Savings

₹305,000
Total Deductions Available
₹95,160
Final Tax Payable After Deductions
₹68,640
Total Tax Savings Through Deductions
₹150,000
Section 80C Utilized
₹55,000
Section 80D Utilized
₹50,000
NPS Additional
7.9%
Effective Tax Rate

Tax Breakdown

Tax Distribution Chart

Optimization Achieved!

  • ✅ Maximum 80C limit fully utilized
  • ✅ Health insurance premiums optimized
  • ✅ Additional NPS deduction claimed
  • 💡 Consider ELSS for better returns than traditional options
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Detailed Tax Calculation Breakdown

DescriptionWithout DeductionsWith DeductionsTax Savings
Gross Income₹1,200,000₹1,200,000₹0
Total Deductions₹0₹305,000₹305,000
Taxable Income₹1,150,000₹895,000₹255,000
Income Tax₹163,800₹95,160₹68,640

Section-wise Limit Utilization

Section 80C ₹150,000 / ₹1,50,000 (100% utilized)
Section 80D (Self & Family) ₹25,000 / ₹25,000 (100% utilized)
Section 80D (Parents) ₹25,000 / ₹25,000 (100% utilized)
Section 80CCD(1B) - NPS ₹50,000 / ₹50,000 (100% utilized)
Standard Deduction ₹50,000 / ₹50,000 (100% utilized)

Old vs New Tax Regime Comparison

Tax ParameterOld Tax RegimeNew Tax RegimeDifference
Tax Liability₹95,160₹46,800₹48,360
Effective Tax Rate7.93%3.90%4.03%
Recommended RegimeOld Regime✓ New RegimeSave ₹48,360

Which Regime is Better for You?

  • Choose Old Regime if: You have substantial investments (₹1.5L+ in 80C), health insurance premiums, home loan, or other deductions
  • Choose New Regime if: You have minimal investments/deductions and prefer simpler tax filing with lower rates
  • Switch Carefully: Once you choose new regime, generally you cannot switch back to old regime

Why Use Our Tax Calculator?

Instant Calculations
Real-time tax savings calculation with live updates as you input values
Optimization Tips
Smart suggestions to maximize your tax savings within legal limits
Regime Comparison
Side-by-side comparison between old and new tax regimes
Accurate & Updated
Based on latest Income Tax rules and slab rates for current financial year
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Understanding Tax Deductions

Section 80C - Detailed Information
Maximum Limit: ₹1,50,000 per financial year
Eligible Investments: EPF, PPF, ELSS, Life Insurance, NSC, Tax-saving FDs, Home Loan Principal, etc.
Lock-in Periods: Varies from 3 years (ELSS) to 15 years (PPF)
Best Options: ELSS for shorter lock-in, PPF for safety, Insurance for protection
Section 80D - Detailed Information
For Self & Family: ₹25,000 (₹50,000 if age 60+)
For Parents: ₹25,000 (₹50,000 if age 60+)
Preventive Health Checkup: ₹5,000 (within overall limit)
Maximum Possible: ₹1,00,000 (with senior citizens in both categories)
Other Important Sections
80CCD(1B) - NPS: Additional ₹50,000 over and above 80C limit
80E - Education Loan: Interest deduction for 8 years, no upper limit
80G - Donations: 50% or 100% of donation amount based on organization
80TTA/80TTB - Interest Income: ₹10,000 (₹50,000 for seniors) on savings account interest