Exemption vs deduction?

An exemption (HRA, gratuity within limits) keeps income out of the total. A deduction (80C) reduces taxable income after it is computed. Both are old-regime heavy.

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Section 80C Calculator

See how much of the ₹1.5 lakh 80C cap you have used. 80C applies in the old regime, not the default new regime.

Last updated 2026-09-17 · FY 2026-27

EPF / VPF this year₹ELSS / life premium / tuition₹PPF₹Other 80C (principal, NSC…)₹

Counted toward 80C

₹1,40,000

Room left

₹10,000

Cap ₹1,50,000 · old regime only

How it works

Remaining 80C room = ₹1,50,000 − min(used, ₹1,50,000).

How to use this calculator

Enter the inputs shown above (amount, rate, tenure, income, or other fields).
Read the live results — they update as you type.
Check the formula, worked example, and assumptions on this page before you decide.

Formula

Remaining 80C room = ₹1,50,000 − min(used, ₹1,50,000).

Worked example

EPF ₹80,000 + ELSS ₹40,000 + PPF ₹20,000 = ₹1.4 lakh used; ₹10,000 room left, and only if you opt for the old regime.

Reading the result

Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.

See also: calculation methodology and disclaimer.

Frequently asked questions

Old regime: 80C (EPF, PPF, ELSS, life premium, principal repayment, tuition), 80D, HRA, home-loan interest, and extra NPS 80CCD(1B). New regime is narrower — mainly standard deduction for salary.

Assumptions and limits

The ₹1.5 lakh ceiling is the combined 80C/80CCC/80CCD(1) cap in the FY config.
New regime generally does not allow 80C. This screen only tracks the cap.

Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.

Sources

Income Tax Department

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