Tax Saving Calculator (80C, 80D, NPS)
See how much 80C, 80D and NPS deductions save under India's old tax regime and how much room you have left for 2026-27.
About the Tax Saving Calculator (80C, 80D, NPS)
Under the old regime you can deduct up to ₹1.5 lakh under 80C, health insurance premiums under 80D (₹25,000 for yourself and family, plus ₹25,000 for parents, or ₹50,000 if they're senior citizens), and an extra ₹50,000 for NPS under 80CCD(1B). The new regime (default) doesn't allow these, so compare both before investing just to save tax.
The formula
Tax saved = tax(income − current deductions) − tax(income − maximum deductions)
Worked example
Example: You could still save = ₹45,240
- Inputs: Gross salary: ₹17,00,000; 80C so far (EPF, PPF, ELSS, LIC, tuition, home loan principal): ₹88,000; 80D health insurance (self and family): ₹17,000; 80D for parents: ₹0; Parents are senior citizens: No; NPS 80CCD(1B): ₹0; Other deductions (HRA exemption, 24(b) interest, 80E…): ₹1,10,000.
- Formula: Tax saved = tax(income − current deductions) − tax(income − maximum deductions)
- Result: You could still save = ₹45,240
Questions people ask
Which 80C option is best?
ELSS has the shortest lock-in (3 years); PPF and EPF are safest; choose by goals, not just tax.
Do these apply in the new regime?
No, except the employer's NPS contribution under 80CCD(2).
Sources
The rules and rates this calculator uses come from the official pages below. Its results are estimates, not an official determination, and rules change, so check the latest figures there before you act on them.