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BSE FMCG 16,892.69 241.41 (+1.45%)
BSE HEALTHCARE 49,334.68 -565.26 (-1.13%)
BSE METALS 39,676.95 42.62 (+0.11%)
BSE OIL & GAS 24,636.22 14.48 (+0.06%)
BSE TECK 14,372.85 89.62 (+0.63%)
NIFTY PSE 9,283.55 74.90 (+0.81%)
BSE SENSEX 72,382.47 472.77 (+0.66%)
NIFTY 50 22,555.75 133.80 (+0.60%)
NIFTY BANK 54,714.10 263.35 (+0.48%)
NIFTY IT 28,301.65 -3.05 (-0.01%)
NIFTY AUTO 25,421.90 36.95 (+0.15%)
BSE CAP GOODS 74,416.73 283.47 (+0.38%)
BSE FMCG 16,892.69 241.41 (+1.45%)
BSE HEALTHCARE 49,334.68 -565.26 (-1.13%)
BSE METALS 39,676.95 42.62 (+0.11%)
BSE OIL & GAS 24,636.22 14.48 (+0.06%)
BSE TECK 14,372.85 89.62 (+0.63%)
NIFTY PSE 9,283.55 74.90 (+0.81%)
BSE SENSEX 72,382.47 472.77 (+0.66%)
NIFTY 50 22,555.75 133.80 (+0.60%)
NIFTY BANK 54,714.10 263.35 (+0.48%)
NIFTY IT 28,301.65 -3.05 (-0.01%)
NIFTY AUTO 25,421.90 36.95 (+0.15%)
BSE CAP GOODS 74,416.73 283.47 (+0.38%)
BSE FMCG 16,892.69 241.41 (+1.45%)
BSE HEALTHCARE 49,334.68 -565.26 (-1.13%)
BSE METALS 39,676.95 42.62 (+0.11%)
BSE OIL & GAS 24,636.22 14.48 (+0.06%)
BSE TECK 14,372.85 89.62 (+0.63%)
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Income Tax Calculator | Accumen Wealth

Income Tax Calculator

Calculate your income tax for FY 2025-26 and instantly compare the Old and New regime to find which one saves you more.

Income Tax Calculator
80C Tax-Saving Calculator
1 Basic Details
2 Income
3 Deductions
4 Results
Basic Details
Your age group affects exemption limits under the old regime.
Financial Year
FY 2025-26
FY 2024-25
Age Group (as on 31 March)
Below 60
60 – 80
Above 80
Income Details
Enter your annual income from all sources. Leave fields at 0 if not applicable.
Annual Salary (gross, before deductions)
₹
Income from Other Sources (interest, etc.)
₹
Rental Income (net of 30% std deduction)
₹
Other Income (business, capital gains, etc.)
₹
Deductions & Exemptions
These apply to the Old Regime only. The New Regime allows just the standard deduction.
Section 80C (EPF, PPF, ELSS, LIC — max ₹1.5L)
₹
Section 80D (health insurance — max ₹1L)
₹
Section 80CCD(1B) (NPS — max ₹50K)
₹
Section 24(b) (home loan interest — max ₹2L)
₹
HRA Exemption (if claiming)
₹
Other Deductions (80E, 80G, etc.)
₹
Your Tax Comparison
Here's how much tax you'd pay under each regime for FY 2025-26.
Old Regime
—
total tax payable
New Regime
—
total tax payable
Recommendation
—
Particulars
Old Regime
New Regime
Gross Total Income
—
—
Standard Deduction
—
—
Other Deductions
—
—
Taxable Income
—
—
Income Tax
—
—
Health & Edu. Cess (4%)
—
—
Total Tax Payable
—
—

Plan your taxes, build your wealth

Knowing your tax is the first step. Accumen Wealth can help you choose the right regime, structure tax-saving investments, and align them with your long-term financial goals.

Disclaimer: This calculator is for educational purposes only and uses published slab rates for FY 2025-26 (AY 2026-27) and FY 2024-25. It does not compute surcharge on incomes above ₹50L or cover every deduction or special case. Results are indicative. Please consult a qualified tax advisor before making any tax-related decisions.

Tax Savings 80C Calculator

If you think, tax planning is about reducing tax at the end of the financial year, you’re wrong. What matters more is choosing eligible investments and expenses wisely, so your tax saving decisions also support your long term financial goals.

Accumen Wealth’s Tax Savings 80C Calculator helps you estimate how much you can claim under Section 80C based on eligible investments and expenses such as life insurance premium, ELSS, PPF, EPF, tuition fees, home loan principal repayment, and other qualifying options.

It gives you clarity on your available deduction limit, potential tax saving, and remaining investment requirement, so you can plan your taxes and investments with better clarity, confidence, and discipline.

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What is Section 80C Tax Planning?

Section 80C tax planning is the process of using eligible investments and expenses to reduce taxable income under the Income Tax Act.

It allows taxpayers to claim deductions for selected options such as life insurance premium, ELSS, PPF, EPF, children’s tuition fees, home loan principal repayment, tax saving fixed deposits, and other eligible investments.

The maximum deduction available under Section 80C is subject to the prescribed limit under the tax law. This makes it important to review how much you have already invested or paid during the financial year and how much deduction limit is still available.

Your 80C tax saving depends mainly on your eligible investments, applicable tax regime, taxable income, and the deduction limit available to you.

Understanding Section 80C tax planning helps you make better decisions before the financial year ends, avoid rushed investments, and align your tax saving choices with your long term financial goals.

Why is Section 80C Tax Planning Important?

Section 80C tax planning matters because it helps you reduce taxable income while also encouraging disciplined savings and investments. Instead of making rushed tax saving decisions near the end of the financial year, proper planning helps you choose options that match your financial goals.

Section 80C tax planning can help you:

  • Understand how much deduction you may be eligible to claim
  • Review how much of your 80C limit has already been used
  • Plan tax saving investments more systematically
  • Choose suitable options such as ELSS, PPF, EPF, life insurance premium, tuition fees, or home loan principal repayment
  • Avoid last minute investment decisions made only for tax saving
  • Align tax saving choices with long term goals such as wealth creation, retirement, insurance protection, and education planning
  • Make better financial decisions with a clearer view of your tax position and investment needs

How Can a Tax Savings 80C Calculator Help You?

A Tax Savings 80C Calculator helps you estimate how much deduction you may be able to claim under Section 80C, where eligible under the applicable tax regime. It brings your eligible investments, qualifying expenses, available deduction limit, and estimated tax saving together in one place, so you can plan your taxes more clearly.

It can help answer questions such as:

  • How much of my Section 80C limit have I already used?
  • How much more can I invest or pay to fully use the available 80C deduction?
  • Which eligible payments or investments can be considered for 80C planning?
  • How much tax saving may I get from my 80C deduction?
  • Am I making tax saving decisions in line with my financial goals?
  • Is my tax saving plan properly aligned with investments, insurance, home loan repayment, and education expenses?

How Do Tax Savings 80C Calculators Work?

  • A Tax Savings 80C Calculator works by estimating how much deduction you may be able to claim under Section 80C and how much additional investment or eligible payment may be required to use the available deduction limit.
  • First, you enter the eligible investments and expenses already made during the financial year, such as life insurance premium, ELSS, PPF, EPF, children’s tuition fees, tax saving fixed deposits, and home loan principal repayment.
  • Then, the calculator compares your total eligible amount with the maximum deduction limit available under Section 80C.
  • Based on these details, the calculator estimates the deduction already used, remaining eligible limit, and possible tax saving based on your applicable tax slab.

Example

Maximum 80C Deduction Limit

₹1,50,000

Eligible Investments and Expenses Already Made

₹1,10,000

Remaining 80C Limit

₹40,000

If you invest or pay another eligible amount of ₹40,000, you may be able to fully use the available 80C deduction limit, subject to the applicable tax regime and eligibility rules. This helps you understand your tax saving position, avoid last minute investment decisions, and plan your eligible investments and expenses with better clarity.

How to Use Accumen Wealth's
Tax Savings (80C) Calculator

Switch to the 80C Tax-Saving Calculator

On the calculator, select the "80C Tax-Saving Calculator" tab at the top. This mode is focused on showing exactly how much income tax you can save through Section 80C investments under the Old Regime.

1

Enter Your Annual Taxable Income

Add your annual taxable income, that is, your income after the standard deduction but before applying any 80C benefit. This is the base on which your tax saving will be calculated.

2

Select Your Age Group

Choose your age group, Below 60, 60 to 80, or Above 80. Your age determines the basic exemption limit under the Old Regime, which affects how much tax you pay and therefore how much you save.

3

Enter Your 80C Investment Amount

Use the slider or input box to enter how much you are investing under Section 80C, such as EPF, PPF, ELSS, life insurance premiums, or tax-saving fixed deposits. The maximum eligible amount under 80C is ₹1.5 lakh.

4

Compare Tax With and Without 80C

The calculator instantly shows two figures side by side, your tax payable without any 80C investment, and your tax payable after claiming the 80C deduction. This makes the impact of investing immediately clear.

5

Review Your Tax Saving

The result highlights the exact amount you save by investing under 80C, along with the effective return generated purely from tax savings. For someone in the 30% tax bracket, a full ₹1.5 lakh investment can save around ₹46,800 in tax.

6

Use the Result for Planning

Use the breakdown to decide how much to invest under 80C, choose the right mix of tax-saving instruments, and plan your investments so they save tax while also building long-term wealth.

7

Advantages of Using Accumen Wealth’s Tax Savings 80C Calculator

Gives a Clear Deduction Estimate

It helps you simplify how much deduction you may be able to claim under Section 80C based on your eligible investments and expenses.

Helps Plan Tax Saving Investments

You can use the calculator to plan eligible investments such as ELSS, PPF, EPF, life insurance premium, tax saving fixed deposits, tuition fees, and home loan principal repayment.

Shows the Remaining 80C Limit

The calculator helps you understand how much of your available 80C limit has already been used and how much may still be available.

Supports Better Year End Tax Planning

It helps you avoid rushed investment decisions near the end of the financial year by giving a clearer view of your tax saving position in advance.

Helps Align Tax Saving With Goals

You can use the result to choose tax saving options that also support long term goals such as retirement, insurance protection, wealth creation, and children’s education.

Supports Better Cash Flow Planning

It helps you estimate how much more you may need to invest or pay towards eligible options, so you can plan the amount without unnecessary financial pressure.

Helps Avoid Missing Eligible Deductions

It helps you review common 80C eligible investments and expenses, reducing the chance of missing deductions that may be available to you under the applicable tax regime.

Common FAQs, Clearly Answered

Have questions about how we work or what to expect? Here are some common queries.

A Tax Savings 80C Calculator helps you estimate how much deduction you may be able to claim under Section 80C based on eligible investments and expenses.

Section 80C is a provision under the Income Tax Act that allows eligible taxpayers to claim deductions for specified investments and expenses, subject to the prescribed limit.

The maximum deduction available under Section 80C is ₹1,50,000, subject to eligibility and applicable tax rules.

Common eligible options include ELSS, PPF, EPF, life insurance premium, children’s tuition fees, tax saving fixed deposits, National Savings Certificate, Sukanya Samriddhi Yojana, and home loan principal repayment.

Section 80C deduction is generally available under the old tax regime. It is generally not available under the new tax regime, so taxpayers should check which regime applies to them before planning deductions.

No. The calculator gives an estimated tax saving based on the details entered. Actual tax savings may vary depending on taxable income, tax slab, applicable tax regime, surcharge, cess, and eligibility rules.

Yes. Using the calculator before the financial year ends can help you review how much of your 80C limit has already been used and how much more you may need to invest or pay.

A Tax Savings 80C Calculator helps you plan eligible investments, avoid last minute tax saving decisions, review available deduction limits, and align tax planning with long term goals such as wealth creation, retirement, insurance protection, and children’s education.

Looking for more clarity, direction, and confidence in your financial decisions?

Accumen Wealth offers personalized wealth management support to help you plan better, make informed decisions, and stay aligned with your long term financial goals.

With a thoughtful and structured approach, we help bring greater clarity and direction to your wealth journey.

Enquire Now

Tell us about your financial goals, investment profile, or the guidance you are looking for, and our team will connect with you to schedule a personalized consultation tailored to your needs.

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