80C Deduction Optimizer
Maximise Your Tax Savings Under Section 80C
The 80C Deduction Optimizer helps you track and optimise your investments to fully utilise the ₹1.5 lakh deduction limit available under Section 80C of the Income Tax Act. By entering your EPF, PPF, ELSS, LIC premium, and home loan principal payments, the tool calculates how much of the deduction you’ve already used, and how much more you can still invest to reduce your taxable income.
Enter your 80C investments to see results
Why Use the 80C Deduction Optimizer?
Track Section 80C Usage in Real-Time
Avoid under-utilisation and make informed year-end investments.
Get Tax-Efficient Suggestions
Choose where to invest the balance to optimise deductions.
Avoid Guesswork During ITR Filing
Know exactly how much more to invest before March 31st.
Consolidate All 80C Items in One Place
From EPF to ELSS, monitor your annual tax-saving efforts seamlessly.
Importance and Benefits of 80C Deduction Planning
Save Maximum Tax
Utilise the entire ₹1.5 lakh deduction legally available under 80C.
Improve Financial Planning
Align tax-saving investments with long-term wealth creation goals.
Personalised Suggestions
Based on your input, get relevant ideas like ELSS or PPF to bridge any gaps.
Quick and Efficient
One-minute entry, instant savings insights.
How to Use the 80C Deduction Optimizer
Follow these simple steps to calculate the average price of your stock purchases:
Enter 80C Contributions
Enter your contributions for EPF, PPF, ELSS, LIC, and home loan
Click Calculate
Click “Calculate” to see the total used and remaining eligibility
Review Your Results
Review suggestions to make additional tax-saving investments
Track Year-Round
Update regularly to track usage over the year
Key Terms You Should Know
Section 80C
A provision under the Indian Income Tax Act allowing up to ₹1.5 lakh deduction annually for specific investments and expenses.
EPF (Employees’ Provident Fund)
Mandatory retirement savings for salaried employees.
PPF (Public Provident Fund)
Long-term government-backed tax-saving investment.
ELSS (Equity Linked Saving Scheme)
Tax-saving mutual fund with 3-year lock-in and market-linked returns.
Home Loan Principal
The principal repayment portion of your EMI is eligible under 80C.
