Tax · Free tool
80C Optimizer
Section 80C caps your deduction at ₹1,50,000 across all eligible instruments. EPF alone often takes most of it. We show you the headroom remaining and where to deploy it. Old regime only.
Auto-deducted 12% of basic.
Up to ₹1.5L/year.
3-year lock-in.
Term + traditional.
EMI principal portion only.
Two children only.
5-year POSB scheme.
5-year lock-in.
For girl child < 10.
80C deduction claimed
₹72,000 / ₹1,50,000
Headroom: ₹78,000 — invest in PPF, ELSS or top up your NPS via 80CCD(1B) for an extra ₹50k.