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80C Deduction Calculator

Work out 80c deduction instantly with clear inputs, formula shown and shareable results.

About 80C Deduction Calculator

The main investment deduction pools several items — provident fund, life insurance, equity savings schemes and home loan principal — under one shared cap. Because provident fund alone often uses much of it, additional investments may buy no extra relief.

Formula

Pooled deduction

Allowed = min(sum of qualifying items, statutory cap)

Worked example

With the default values below, 80C Deduction Calculator returns Deduction Allowed of $150,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Provident Fund Contributionminimum 0
72,000
Insurance Premium And Equity Savingsminimum 0
60,000
Home Loan Principal Repaidminimum 0
90,000
Marginal Tax Rateaccepts 0–60 %
30 %

Results

Deduction Allowed
$150,000.00
Tax Saved
$45,000.00
Headroom Left In The Limit
$0.00
Amount Above The Limit
$72,000.00

Step by step

  1. 1Values used
  2. 2Pooled deduction
  3. 3Deduction Allowed= 150,000.00
  4. 4Tax Saved= 45,000.00
  5. 5Headroom Left In The Limit= 0.00
  6. 6Amount Above The Limit= 72,000.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Tax figures are estimates based on the rates, caps and thresholds you enter. Real rules differ by jurisdiction and change every year, and personal circumstances alter the outcome. This is not tax or financial advice — confirm with a qualified adviser.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Tax figures are estimates based on the rates, caps and thresholds you enter. Real rules differ by jurisdiction and change every year, and personal circumstances alter the outcome. This is not tax or financial advice — confirm with a qualified adviser.

Frequently Asked Questions

Does home loan principal really count?

Yes, and it often fills the limit on its own, which people overlook when buying extra insurance for tax reasons.

Is the deduction available in every regime?

No. Simplified low-rate regimes typically withdraw it, which is the trade for the lower rates.

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