Salary & TaxTax
80C Deduction Calculator
Track EPF, PPF, ELSS, insurance and other Section 80C deductions against the limit.
● Calculated privately in your browser
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Methodology & Logic
How the 80C Deduction Calculator works
Track EPF, PPF, ELSS, insurance and other Section 80C deductions against the limit. Below is the exact mathematical or algorithmic model used by this tax utility, along with its key operating assumptions.
Core Formula / Logic
Eligible 80C deduction = minimum of total eligible 80C entries and ₹1.5 lakh annual limit.Step-by-step workflow
- Set your starting capital, rate, or tenure in the 80C Deduction Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies Eligible 80C deduction = minimum of total eligible 80C entries and ₹1.5 lakh annual limit. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Practical Walkthrough
Worked example & key advantages
Example Scenario
If EPF is ₹72,000, PPF is ₹50,000 and ELSS is ₹30,000, the calculator shows the usable 80C deduction and any excess over the cap.
Why use this 80C Planner tool
- Transparent compounding and amortization math (80C Planner) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Uses the common ₹1.5 lakh Section 80C cap.
- Only common entries are included.
- Actual eligibility depends on product rules, payment date and ownership.
- This benefit is generally relevant under the old tax regime.
Common Questions
Frequently Asked Questions — 80C Planner
Clear answers to common questions about methodology, edge cases, and privacy.
Does EPF count under 80C?
Employee EPF contribution is commonly counted under Section 80C, subject to the overall limit.
What happens if I invest more than ₹1.5 lakh?
The calculator shows the excess, but the common 80C deduction is capped at ₹1.5 lakh.
Does this choose the best investment?
No. It only tracks deduction usage across entries you provide.