# 80C Calculator FY 2026-27: Tax Saved on the INR 1.5 Lakh Limit > 80C calculator: add EPF, PPF, ELSS, life insurance, home-loan principal and tuition fees, see the room left in the INR 1.5 lakh limit and the tax it saves. Source: https://trykosh.com/tools/section-80c-calculator Free tool - Income tax # Section 80C deduction calculator Add up what already counts toward 80C, see how much of the INR 1.5 lakh limit is left, and what filling it would save at your slab. Rules checked 25 October 2026Free - no sign-upRuns in your browser 80C deduction you can claim INR 1,22,000 Saves about INR 38,064 in tax at 30% + cess 80C counts only in the old regime. Total invested**INR 1,22,000** Room left**INR 28,000** Wasted above cap**INR 0** Used **INR 1,22,000**Room left **INR 28,000** Investing INR 28,000 more before 31 March would save about INR 8,736 more. ## Upload your statement and Kosh does this for you. Upload a bank statement or salary slip and Kosh works out your tax under both regimes from your real numbers, finds the deductions you're missing and reminds you before every deadline. [Start free](/signup?via=tool-section-80c-calculator) ## How the 80C calculator works Section 80C (section 123 in the Income-tax Act, 2025) lets old-regime taxpayers deduct up to INR 1.5 lakh a year for specific investments and payments. Many people are closer to the limit than they think, because their EPF contribution counts automatically. Enter each item: your share of EPF and any VPF, PPF deposits, ELSS mutual funds, life insurance premiums, home-loan principal repaid, tuition fees for up to two children, and others such as NSC, Sukanya Samriddhi deposits and 5-year tax-saver FDs. The calculator adds them up and caps the total at INR 1.5 lakh. The tax saved is the deduction times your highest slab rate plus 4% cess. Anything above INR 1.5 lakh doesn't reduce your tax, although the investment itself may still be worthwhile. Tax saved = min(total 80C, INR 1,50,000) x slab rate x 1.04 ## Worked example: Karan, EPF plus a small ELSS SIP Karan's EPF deduction is INR 7,200 a month, INR 86,400 a year. He also runs a INR 2,000 ELSS SIP and pays INR 18,000 for a life policy. That's INR 1,28,400 of 80C, saving about INR 26,707 at his 20% slab. He has INR 21,600 of room left, worth about INR 4,493 more in tax saved if he invests it before 31 March. 80C deduction you can claim INR 1,28,400 Saves about INR 26,707 in tax at 20% + cess 80C counts only in the old regime. Total invested**INR 1,28,400** Room left**INR 21,600** Wasted above cap**INR 0** Used **INR 1,28,400**Room left **INR 21,600** Investing INR 21,600 more before 31 March would save about INR 4,493 more. [Load this example into the calculator ->](?epf=86400&ppf=0&elss=24000&life=18000&slab=20#calculator) ## Good to know - 80C is an old-regime deduction. If you're in the new regime, these investments don't reduce your tax. - Count EPF first: it's deducted from salary and often fills half the limit on its own. - Only the principal part of your home-loan EMI counts, plus stamp duty and registration in the year of purchase. - Lock-ins vary: ELSS 3 years, tax-saver FD 5 years, NSC 5 years, PPF 15 years. ## Frequently asked questions What is the 80C limit for FY 2026-27? INR 1.5 lakh a year, unchanged since 2014. The INR 50,000 under 80CCD(1B) for your own NPS is a separate, additional limit. Is EPF part of 80C? Yes. Your own 12% contribution and any voluntary PF count toward the INR 1.5 lakh. Your employer's contribution doesn't. Does term insurance premium count under 80C? Yes, premiums for life cover on yourself, your spouse or children count, up to 10% of the sum assured for policies issued after April 2012. Can I claim 80C in the new tax regime? No. The new regime doesn't allow 80C, 80D, HRA or most other deductions. Compare both regimes before you invest purely to save tax. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.