📊 Excel Alternative
Tax Saving 80C Excel — ₹1.5L Deduction Planner
Quick Answer
Section 80C allows up to ₹1.5L in tax deductions under the old regime. An Excel 80C planner helps you fill this limit across ELSS, PPF, NSC, LIC premium, and home loan principal. CalcCrack Income Tax Calculator computes how much tax you save from 80C based on your income slab and compares the effective post-tax returns of different 80C options.Why use CalcCrack instead of an Excel template
- ✓Tax saving amount from 80C shown at your exact income slab — not a generic percentage
- ✓Post-tax return comparison: ELSS (12–15% pre-tax) vs PPF (7.1% tax-free) vs NSC (7.7%)
- ✓Lock-in period comparison: ELSS (3 years) vs PPF (15 years) vs NSC (5 years)
- ✓Auto-calculation of 80C gap — how much more to invest to use the full ₹1.5L limit
- ✓FY 2025-26 tax rules — reminder that 80C is not available under the new regime
Feature Comparison
| Feature | CalcCrack 🧮 | 📊 Excel Template |
|---|---|---|
| Works on mobile without app | ✓ | × |
| No download or installation | ✓ | × |
| Shareable link | ✓ | × |
| Always up-to-date data | ✓ | × |
| Advanced calculation modes | ✓ | Partial |
| Offline use | × | ✓ |
| Custom formatting | × | ✓ |
Try it free — no download needed
Income Tax Calculator works instantly in your browser on any device. No Excel, no Google Sheets, no install.
Frequently Asked Questions
Which is the best 80C investment?+
For young investors (20–40): ELSS (3-year lock-in, equity returns 12–15%) is usually best. For conservative investors: PPF (7.1% tax-free, EEE status). For guaranteed returns: NSC (7.7%, 5-year lock-in). Life insurance premium is the least efficient 80C option for pure tax saving.
What investments qualify under Section 80C?+
ELSS mutual funds, PPF, NSC, 5-year tax-saving bank FD, Life insurance premium (own/spouse/children), EPF employee contribution, Home loan principal repayment, Sukanya Samriddhi, NPS Tier I (up to 10% of salary), Tuition fees (2 children).
Is Section 80C available under the new tax regime?+
No. Section 80C deductions are only available under the old tax regime. Under the new regime, these deductions do not apply. Only Section 80CCD(2) (employer NPS contribution) is available under the new regime.
What is the EEE status of PPF?+
EEE means Exempt-Exempt-Exempt: investment is tax-deductible (80C), interest earned is tax-exempt, and maturity is tax-free. PPF has EEE status — making it the most tax-efficient fixed-return instrument in India. ELSS is ETE (maturity gains taxed at 10% LTCG above ₹1.25L).
Related Calculator
🧮Income Tax Calculator
New regime FY 2025-26 tax with 87A rebate up to ₹12L
Disclaimer: This page is for informational purposes and does not constitute financial, tax, or investment advice. Tax rules and rates are as per FY 2025-26 and subject to change. Always consult a SEBI-registered advisor or Chartered Accountant before making financial decisions.