Enter your income and investments (ELSS, PPF, NPS, FD, mutual fund gains) to see tax saved, post-tax returns, and which regime maximises your take-home.
💰 Income
📥 Tax-Saving Investments
ELSS Mutual Fund 80C
3-yr lock-in · ~10–14% p.a. historical
PPF 80C
7.1% p.a. · 15-yr lock-in · EEE
EPF (Employee) 80C
8.25% p.a. · retirement lock-in · EEE
LIC / ULIP 80C
Tax-free maturity (if sum assured ≥ 10× premium)
5-Year Tax-saving FD 80C
~7–7.5% p.a. · interest taxable at slab
NSC / Home Loan Principal 80C
NSC: 7.7% p.a. · Home loan principal: up to ₹1.5L
NPS (Own contrib) 80CCD(1B)
Additional ₹50,000 deduction beyond 80C
Health Insurance 80D (₹)
Self: ₹25,000 · Parents: ₹50,000 (senior citizen)
Home Loan Interest (Sec 24)
Self-occupied: max ₹2L deduction
📈 Capital Gains
LTCG — Equity / MF 12.5%
Gains > ₹1.25L taxed at 12.5% (FY 2025-26)
STCG — Equity / MF 20%
Short-term gains taxed at flat 20%
FD / Debt Interest Income Slab
Taxed at your income slab rate
Old Tax Regime
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Total Tax + Cess
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Tax Saved vs No Deductions
New Tax Regime
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Total Tax + Cess
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Tax Saved vs No Deductions
📊 Post-Tax Return Comparison
Instrument
Gross Return
Tax Impact
Post-Tax Return
ℹ️ How it works
Enter your annual income and each investment amount
80C deductions are capped at ₹1.5L; NPS 80CCD(1B) adds ₹50K extra
LTCG first ₹1.25L is exempt; excess taxed at 12.5%
STCG taxed at flat 20%
Compare old vs new regime — pick the lower tax option
Section 80C allows deduction of up to ₹1.5 lakh per year from taxable income for investments in ELSS mutual funds, PPF, EPF, NSC, 5-year FD, LIC premium, ULIP, and home loan principal repayment. Available only under Old Tax Regime.
NPS contributions qualify under Section 80CCD(1) within the ₹1.5L 80C limit, plus an additional ₹50,000 deduction under 80CCD(1B) exclusively for NPS — making total possible deduction ₹2 lakh between 80C and NPS.
Long-term capital gains (LTCG) on equity mutual funds and stocks are taxed at 12.5% for gains above ₹1.25 lakh per year (updated in Union Budget 2024-25). Gains below ₹1.25 lakh are exempt. Short-term gains (held < 1 year) are taxed at 20%.
Yes — PPF has EEE (Exempt-Exempt-Exempt) status: the investment qualifies for 80C deduction, returns are tax-free, and maturity proceeds are also tax-free. This makes PPF one of the most tax-efficient instruments in India, though it has a 15-year lock-in.
FD interest is added to your total income and taxed at your applicable income tax slab rate. If FD interest exceeds ₹40,000/year (₹50,000 for senior citizens), the bank deducts TDS at 10%. This makes FDs tax-inefficient for high-income earners compared to debt mutual funds.
ELSS (Equity Linked Savings Scheme) has the shortest lock-in of 3 years among 80C instruments and offers equity-like returns (historically 10–14% p.a.). It also qualifies for the 80C deduction of up to ₹1.5 lakh, making it one of the most popular tax-saving investments.