Old regime only
Section 80C Investment Planner
See how much of your ₹1,50,000 Section 80C limit you've already used across EPF, PPF, ELSS, and more — and how much headroom is left.
Only enter the eligible portion — premium above 10% of the sum assured (20% for policies issued before April 2012) doesn't qualify, even though you paid it.
Only eligible after possession/construction is complete — principal paid on an under-construction property doesn't count yet.
Combine Sukanya Samriddhi, NSC, and 5-year tax-saver FDs here.
80C Planner
80C PLANNERREMAINING 80C HEADROOM
₹1,50,000
You've used ₹0 of your ₹1,50,000 limit.
The ₹1,50,000 cap is shared across every instrument above — it's one combined limit, not one per instrument.
Frequently asked questions
Does every rupee of my life insurance premium count toward 80C?
No. For policies issued on or after 1 April 2012, only premium up to 10% of the sum assured is eligible — for older policies, the cap is 20%. If your premium exceeds that, only the eligible portion counts; enter that amount, not your full premium.
Can I claim 80C on an under-construction home loan?
No — principal repayment is only eligible once construction is complete and you have possession. There's also a 5-year lock-in from possession: if you sell before then, deductions already claimed get reversed and added back to your income in the year of sale.
Does 80C reduce my tax under the new regime too?
No. Section 80C — like most deductions and exemptions — is only available under the old tax regime. If you've opted for the new regime, none of this changes your tax, no matter how much you invest. Check the regime comparator if you're not sure which one actually saves you more.