Maximize your ₹1.5 Lakh deduction limit. Enter what you already invest, see the gap, and discover the best instruments — ELSS, PPF, LIC, NPS — to fill it based on returns and lock-in.
₹1.5L
Max Limit
10+
Instruments
₹46K
Max Tax Saved
80C Investment Planner
Enter your income details and fill in what you currently invest. We'll show your remaining limit and tax impact in real time.
Annual Income (₹) ₹12,00,000
Tax Slab
80C Used: ₹0Limit: ₹1,50,000
₹1,50,000 remaining0% used
⚠️ Exceeds ₹1,50,000 limit — only ₹1.5L is deductible
Mandatory / Auto-Deducted
🏢
EPF — Employee Provident Fund
Auto-deducted~8.25% returnTill retirement
Annual (₹)
Fixed / Guaranteed Return
🏦
PPF — Public Provident Fund
7.1% tax-free15 yr lock-inEEE status
Annual (₹)
📮
NSC — National Savings Certificate
7.7% return5 yr lock-in
Annual (₹)
👴
SCSS — Senior Citizen Savings Scheme
8.2% return5 yr lock-in60+ only
Annual (₹)
🏛️
Tax-Saving FD (5-year)
6.5–7.5% return5 yr lock-in
Annual (₹)
Market-Linked (Higher Returns)
📈
ELSS — Equity Linked Savings Scheme
12–15% hist. return3 yr lock-in ✓ Shortest
Annual (₹)
Insurance-Based
🛡️
LIC / Life Insurance Premium
4–6% returnPolicy termLife cover
Annual (₹)
💹
ULIP — Unit Linked Insurance Plan
8–12% market-linked5 yr lock-in
Annual (₹)
Pension Schemes
🧓
NPS — National Pension Scheme
10–12% hist. returnTill 60 yrsExtra ₹50K (80CCD)
Annual (₹)
Education & Tuition
🎓
Children's Tuition Fees
Full-time educationMax 2 children
Annual (₹)
🏠
Home Loan Principal Repayment
Principal onlySec 80C eligible
Annual (₹)
💡 Bonus Deduction: NPS contributions under Section 80CCD(1B) give an additional ₹50,000 deduction over and above the ₹1.5L limit — saving up to ₹15,600 more in tax at 30% slab.
TAX SAVED THIS YEAR
₹0
Enter your investments above
₹1,50,000 limit unused
Total 80C Invested₹0
80C Deduction Claimed₹0
Remaining Limit₹1,50,000
Tax Rate (slab)20%
Tax Saved₹0
NPS Bonus (80CCD 1B)₹0
Gap (potential extra saving)₹0
TAX SAVED BY SLAB RATE
At 30% + cess—
At 20% + cess—
At 10% + cess—
At 5% + cess—
80C Instruments Comparison Guide
Compare all eligible instruments by return, lock-in, risk and tax treatment to make the smartest choice for your profile.
Instrument
Returns
Lock-in
Risk
Tax on Returns
Best For
ELSS 📈
12–15%
🔒 3 yrs
High
LTCG 10% above ₹1L
Young, risk-tolerant
NPS 🧓
10–12%
🔒 Till 60
Med–High
Partial tax on withdrawal
Retirement planning
ULIP 💹
8–12%
🔒 5 yrs
Medium
Tax-free if premium ≤10% SA
Insurance + investment
SCSS 👴
8.2%
🔒 5 yrs
None
Taxable (TDS applies)
Senior citizens (60+)
NSC 📮
7.7%
🔒 5 yrs
None
Taxable (interest reinvested qualifies 80C)
Conservative investors
PPF 🏦
7.1%
🔒 15 yrs
None
100% Tax-Free (EEE)
Long-term, risk-averse
EPF 🏢
8.25%
🔒 Retirement
None
Tax-free if 5+ yrs service
Salaried employees
Tax FD 🏛️
6.5–7.5%
🔒 5 yrs
None
Taxable at slab rate
Conservative, short-term
LIC 🛡️
4–6%
🔒 Policy term
None
Tax-free (if premium ≤10% SA)
Life cover + savings
🏆 Best Strategy (Most Indians): Max out EPF (auto) → Fill remaining with ELSS (highest returns, shortest lock-in 3yr) → Add PPF for tax-free long-term savings → NPS for ₹50K extra deduction under 80CCD(1B).