Which deductions are available under the old tax regime?

Old regime deductions: Section 80C up to Rs.1.5L (PPF, ELSS, LIC, PF, home loan principal), 80D up to Rs.25K-75K, NPS 80CCD(1B) Rs.50K extra, HRA exemption, Section 24(b) home loan interest up to Rs.2L, 80G donations, 80E education loan interest.

Can I claim 80C and NPS both?

Yes. Section 80C allows up to Rs.1.5L, and Section 80CCD(1B) gives an additional Rs.50,000 for NPS contributions over and above the 80C limit. Combined, you can claim Rs.2L in these two sections, saving Rs.62,400 in the 30% slab.

Tax Saving Calculator India FY 2025-26

💼 Income & Deductions

Annual Gross Salary (₹)

SECTION 80C — Max ₹1,50,000

PPF / ELSS / LIC / NSC / PF (₹)

Home Loan Principal Repaid (₹)

Counted within 80C cap of ₹1.5L

NPS — Extra ₹50,000 under 80CCD(1B)

NPS Contribution 80CCD(1B) (₹)

Over & above 80C — saves extra ₹15,600 in 30% slab

SECTION 80D — Health Insurance

Self & Family Premium (₹)

Max ₹25,000 (₹50,000 if self is senior citizen)

Parents' Health Insurance Premium (₹)

Max ₹25,000; ₹50,000 if parents are senior citizens

HRA & HOME LOAN INTEREST

HRA Received (₹/year)

Rent Paid (₹/year)

Enter 0 if living in own house

City Type

Home Loan Interest Paid (₹/year)

Section 24(b) — max ₹2,00,000 for self-occupied property

OTHER DEDUCTIONS

80G Donations (₹)

50–100% deductible depending on approved fund type

80E Education Loan Interest (₹)

No upper limit — full interest deductible for 8 years

📊 Tax Savings Analysis — FY 2025-26

Total Deductions (Old Regime)

₹0

vs ₹75,000 standard deduction in new regime

Old Regime Tax

—

Taxable: —

New Regime Tax

—

Taxable: —

Enter your details to see which regime saves more →

Per-Deduction Savings (estimated)

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Tax Saving Calculator India FY 2025-26 — Maximize Every Deduction

A strategic approach to tax deductions can save a 30% slab taxpayer ₹1.5–2 lakh every year — the equivalent of a salary hike. This calculator covers every major deduction available under the old tax regime: Section 80C, NPS 80CCD(1B), health insurance 80D, HRA exemption, home loan interest, 80G donations, and 80E education loan interest. Enter your exact numbers to see your optimal tax-saving strategy.

₹2L

80C ₹1.5L + NPS ₹50K — maximum in two sections alone

₹75K

Standard deduction in FY 2025-26 — both old and new regime

₹7.75L

Effective tax-free income under new regime including std deduction

30%

Peak slab where each ₹1L deduction saves ₹31,200 in tax + cess

📋 All Deductions Available — Old Regime FY 2025-26

Section 80C (max ₹1,50,000): PPF, ELSS mutual funds, LIC premium, EPF employee share, home loan principal, NSC, SCSS, Sukanya Samriddhi, tuition fees for 2 children, 5-yr tax-saver FD.
Section 80CCD(1B) (max ₹50,000): Additional NPS contribution — fully over and above 80C. Saves ₹15,600 in 30% slab alone.
Section 80D (max ₹25K + ₹50K): Health insurance premium for self & family (₹25K) + parents (₹25K regular, ₹50K if senior citizens).
HRA Exemption: Minimum of (a) actual HRA received, (b) 50/40% of basic for metro/non-metro, (c) rent paid minus 10% of basic.
Section 24(b) (max ₹2,00,000): Home loan interest for self-occupied property. No limit for let-out property.
Section 80G: Donations to approved charities — 50% or 100% deductible.
Section 80E: Education loan interest — full deduction, no upper cap, for 8 assessment years.

🛠️ How to Use This Calculator

Step 1: Enter your annual gross salary (CTC minus employer PF and gratuity).
Step 2: Enter all 80C investments — ELSS, PPF, LIC, home loan principal. Calculator caps at ₹1.5L.
Step 3: Enter NPS contribution for the additional ₹50K deduction over 80C.
Step 4: Fill in health insurance premiums, HRA received, rent paid, home loan interest.
Step 5: See total deductions, per-deduction savings, regime comparison, and verdict.

💡 Pro Tax-Saving Tips

✓ Max out NPS 80CCD(1B) ₹50K first — it's over the 80C cap and saves ₹15,600 in 30% slab guaranteed.

✓ ELSS beats FD for 80C — same deduction, but historical equity returns of 12-15% vs 7% FD.

✓ Parents' health insurance (₹25-50K under 80D) is one of the most underused deductions in India.

✓ If your total old regime deductions exceed ₹3.75L, old regime is almost always better.

✓ Submit investment proofs to employer by January to avoid excess TDS deduction in February-March.

❓ Frequently Asked Questions

What is the maximum tax saving possible in FY 2025-26? +

Under the old regime: 80C ₹1.5L + NPS ₹50K + 80D ₹75K + HRA (varies) + Home Loan Interest ₹2L + standard deduction ₹75K = ₹5L+ in deductions. A 30% slab taxpayer with full optimization can save ₹1.5–2L in annual taxes.

Can I claim both 80C and NPS deduction? +

Yes. Section 80C allows up to ₹1.5L, and Section 80CCD(1B) gives an additional ₹50,000 for NPS — over and above the 80C limit. Combined, you claim ₹2L in just two sections, saving ₹62,400 in the 30% slab.

Is HRA available under the new tax regime? +

No. HRA exemption, 80C, 80D, NPS 80CCD(1B), and home loan interest Section 24(b) are NOT available under the new tax regime. The new regime gives only ₹75,000 standard deduction and lower slab rates. Those with large deductions should compare carefully.

When does the old regime beat the new regime? +

The old regime is generally better when total deductions (80C + NPS + 80D + HRA + home loan) exceed ₹3.75L. For ₹12L salary with ₹4L+ in deductions, old regime typically saves ₹15,000–40,000 more. Use this calculator to find your personal break-even.

What investments qualify under Section 80C? +

PPF, ELSS mutual funds, LIC premium, EPF employee contribution, home loan principal repayment, NSC, SCSS, Sukanya Samriddhi Yojana, tuition fees for up to 2 children, and 5-year tax-saver bank FDs.

Tax SavingCalculator

Optimize Deductions & File ITR

Tax Saving Calculator India FY 2025-26 — Maximize Every Deduction

📋 All Deductions Available — Old Regime FY 2025-26

🛠️ How to Use This Calculator

❓ Frequently Asked Questions

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