Smart Tax Planner

Plan your 80C, 80D and 80CCD(1B) deductions for FY 2026-27, see what they really save, and check whether the old or new regime is cheaper for you.

Your Financial Profile

Max ₹1.5L

Include your EPF contribution (often fills a large part already), PPF, ELSS, life/term premium, children's tuition fees, home-loan principal, SSY, NSC and 5-year tax-saver FDs.

Extra ₹50K over 80C

Health insurance — 80D

Limit ₹25K

Preventive health check-ups (up to ₹5,000) count within these limits, not on top.

Employer NPS — 80CCD(2)

Allowed in both regimes. Capped at 14% of basic + DA in the new regime and 10% in the old (14% for government employees). Count it in your gross income too.

Investment risk appetite

Tax you can save with this plan

₹0

By putting an additional ₹1,75,000 into the options below before 31 March 2027, and filing under the old regime.

This plan would cut old-regime tax by ₹54,600, but the new regime is already as cheap or cheaper.

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You'd pay less under the new regime — these deductions won't help you. 80C, 80D and 80CCD(1B) apply only under the old regime. Only employer NPS (80CCD(2)) is allowed in both.

Old vs new regime (FY 2026-27)

Old regime — today

₹2,41,800

Old regime — with this plan

₹1,87,200

New regime

₹97,500

Lowest

Total tax incl. 4% cess and surcharge (with marginal relief) where applicable.

Suggested investment split

Section 80C fill-up

₹1,00,000

Use the rest of your ₹1.5L limit.

₹60,000 in ELSS (3-yr lock-in)₹40,000 in PPF (15-yr)

National Pension System

₹50,000

80CCD(1B): extra ₹50K over 80C. Locked until age 60.

Health insurance (80D)

₹25,000

Self & family: ₹25,000 more.

Options compared

  • ELSS mutual funds — 80C3-year lock-in
    Equity-linked, market risk. Shortest lock-in among 80C options.
  • PPF — 80C15-year lock-in
    Government-backed; interest and maturity are tax-free. Partial withdrawals allowed after some years.
  • Tax-saver FD — 80C5-year lock-in
    Fixed return; interest is taxable each year.
  • NPS Tier I — 80CCD(1B)Until age 60
    Extra ₹50K deduction over 80C. Market-linked retirement account.
  • Term + health insuranceProtection, not investment
    Term premium counts under 80C; health premium under 80D.

Also within the same ₹1.5L 80C limit: EPF (your share), life insurance premium, children's tuition fees, home-loan principal, Sukanya Samriddhi (SSY) and NSC.

Estimates for FY 2026-27 for a resident individual. Assumes all income is taxed at normal slab rates (no capital gains or other special-rate income) and ignores HRA, home-loan interest and other deductions. 80C, 80D and 80CCD(1B) apply only under the old regime. This is not investment or tax advice. Please consult a CA before you invest.

From 1 April 2026 the Income-tax Act, 2025 replaces the 1961 Act. These deductions carry forward under renumbered sections; the familiar section names are used here.