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80C Deduction Planner
See how much of your 80C, 80CCD and 80D allowance is used and what the unused portion is worth.
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Result
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Most people under-use 80C without realising it, because contributions they already make quietly fill part of it. The first step is counting what is already there.
What already counts towards the ₹1.5 lakh
Your EPF contribution, the principal portion of home loan EMIs, children's tuition fees, life insurance premiums, ELSS, PPF, NSC and five-year tax-saving deposits. For many salaried people EPF and home loan principal alone use half the limit.
The extra ₹50,000
Section 80CCD(1B) allows a further ₹50,000 for NPS, over and above 80C. It is the only straightforward way to extend the limit. The employer's NPS contribution under 80CCD(2) is separate again — and uniquely, it survives in the new regime.
The order of operations
Decide the regime first. Under the new regime none of this does anything, and money locked into a five-year deposit for a deduction you cannot claim is simply money locked up. Only once the old regime is clearly cheaper does filling the allowance make sense.
Frequently asked questions
What counts towards the ₹1.5 lakh under 80C?
Your EPF contribution, PPF, ELSS, life insurance premiums, the principal portion of home loan EMIs, children's tuition fees, NSC, Sukanya Samriddhi and five-year tax-saving deposits. Many salaried people find EPF and home loan principal alone use half the limit.
Can I claim more than ₹1.5 lakh?
Not under 80C itself, but section 80CCD(1B) adds ₹50,000 for NPS on top. Separately, your employer's NPS contribution under 80CCD(2) is deductible and does not count against either limit.
Do these deductions work under the new regime?
No. 80C, 80CCD(1B), 80D and home loan interest on a self-occupied property are all unavailable in the new regime. Employer NPS under 80CCD(2) is the notable exception that survives.
How much is 80D worth?
Up to ₹25,000 for a policy covering yourself and family, ₹50,000 where the insured is a senior citizen, and a further ₹25,000 or ₹50,000 for parents' cover. Preventive health check-ups count within those limits up to ₹5,000.