Tax-Saving Investment Calculator

Section 80C of the Income Tax Act allows deductions up to ₹1.5 lakh annually for specific investments and expenses. Our calculator helps you optimize your tax-saving investments and understand the long-term returns from different options.

The calculator considers various 80C investment options, calculates immediate tax savings, and projects maturity amounts to help you make informed investment decisions.

Section 80C Investment Options:

• PPF: 15-year lock-in, 7.1% return, tax-free maturity
• ELSS Mutual Funds: 3-year lock-in, 12%+ potential return
• NSC: 5-year lock-in, 6.8% return, taxable maturity
• Life Insurance: Premium payments, insurance + investment
• Home Loan Principal: Principal repayment amount
• Children's Tuition Fee: Educational expenses

Tax-Saving Investment Comparison:

• PPF: Highest safety, tax-free returns, longest lock-in
• ELSS: Highest return potential, shortest lock-in, market risk
• NSC: Moderate safety, fixed returns, medium lock-in
• Life Insurance: Insurance + tax benefit, lower returns

Tax Benefits:

• Immediate Benefit: Reduce current year tax liability
• Maximum Deduction: ₹1.5 lakh per financial year
• Tax Savings: Deduction × Your tax rate
• Effective Cost: Investment - Tax savings

Investment Strategy:

• Diversify: Don't put all money in one option
• Risk vs Return: Balance safety and growth
• Lock-in Period: Consider liquidity needs
• Tax Treatment: Some options have tax-free maturity

Additional Tax-Saving Options:

• Section 80D: Health insurance premium (₹25,000-₹50,000)
• Section 80CCD(1B): NPS investment (additional ₹50,000)
• Section 24: Home loan interest (₹2 lakh for self-occupied)
• Section 80E: Education loan interest (no limit)

Features:

• Calculate tax savings across multiple 80C options
• Compare returns from different investment types
• Visual investment distribution analysis
• Maturity amount projections
• Effective return calculation after tax benefits