Section 80C Optimiser

See how your investments stack up against the ₹1.5 lakh 80C limit. EPF is auto-calculated — most people don't realise it already counts towards 80C.

Tax saved under 80C

₹22,464

Tax slab

Monthly basic salary

₹

EPF auto-deducted: ₹72,000/year (12% of basic × 12 months). This already counts towards your 80C limit.

EPF contribution %

PPF (annual)

₹

ELSS mutual fund (annual)

₹

LIC / insurance premium (annual)

₹

Home loan principal (annual)

₹

Children's tuition fees (annual)

₹

Tax saved under 80C

₹22,464

at 30% slab + 4% cess

80C utilization

48%

₹72,000 invested₹1,50,000 limit

Effective deduction

₹72,000

EPF (auto-counted)

₹72,000

Room to save ₹24,336 more in tax

You have ₹78,000 of unused 80C space. Investing this amount would save an additional ₹24,336 in tax.

Investment breakdown

Section 80C investment breakdown by instrument with amounts, returns, and lock-in periods
Instrument	Amount	Return	Lock-in
EPF (employee contribution)~8.25% · Until retirement	₹72,000	~8.25%	Until retirement
Total	₹72,000

Max possible savings

₹46,800

if you use full ₹1.5L

Currently saving

₹22,464

48% of max

Old regime only

Section 80C deductions are available only in the old tax regime. Under the new regime (Section 115BAC), these deductions are not available. Use the regime comparison calculator to check which regime saves you more.