Tax Saving Planner (All Deductions)
All deductions in one planner — 80C, 80CCD(1B), 80CCD(2), 80D, 80E, 80EEB, 80G, 80GG, 80TTA/80TTB with their 2025 Act sections — and old-regime tax saved vs the new regime.
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The Tax Saving Planner puts every common deduction in one place: 80C, 80CCD(1B) and 80CCD(2) for NPS, 80D health insurance with the senior-citizen limits, 80E, 80EEB, 80G, 80GG and 80TTA / 80TTB. It applies each limit, shows how much old-regime tax your deductions save, and compares the result with the new regime, which allows only the standard deduction and the employer's NPS contribution. It is for resident individuals for FY 2025-26 (AY 2026-27) and Tax Year 2026-27.
Use the Tax Saving Planner (All Deductions)
Income
Old-regime exemptions (not deductions, but they change the comparison)
80C and NPS
80D health insurance
Loans
80G donations (not in cash above ₹2,000)
80GG rent (only if you get no HRA)
Old Regime vs New Regime
Chapter VI-A deductions allowed (old)₹ 0
Old-regime tax without these deductions₹ 0
Old-regime tax with these deductions₹ 0
Old-regime tax saved₹ 0
New regime: standard deduction₹ 0
New regime: 80CCD(2) employer NPS₹ 0
New regime taxable income₹ 0
New-regime tax₹ 0
Old regime taxable income₹ 0
Enter your income to see the comparison.
Tax includes surcharge (with marginal relief) and 4% cess, for a resident individual with normal-rate income only.
Enter your income and the deductions you have (or plan to have). The planner applies each section's limit, shows the old-regime tax saved by your deductions, and compares it with the new regime, where only the standard deduction (₹75,000) and the employer's NPS contribution under Section 80CCD(2) (Section 124 from Tax Year 2026-27) are allowed. Slabs, rebate, surcharge and cess are the same for FY 2025-26 and Tax Year 2026-27. For a detailed list of 80C investments, use the 80C Deduction Planner.
Your deductions, section by section
Allowed amounts are for the old regime. "Room left" is how much more you could put in before the limit is reached.
| Section (1961 / 2025 Act) | Entered | Allowed (old) | Room left | New regime |
|---|---|---|---|---|
| Enter your figures above. | ||||
Deduction sections and their new numbers
| FY 2025-26 (1961 Act) | Tax Year 2026-27 (2025 Act) | For | Limit |
|---|---|---|---|
| Section 80C | Section 123 | PF, PPF, ELSS, life insurance, tuition fees, home-loan principal and similar items | ₹1,50,000 in total (80C, 80CCC and 80CCD(1) together) |
| Section 80CCD(1B) | Section 124 | Your own contribution to NPS Tier-I, over and above 80C | ₹50,000 |
| Section 80CCD(2) | Section 124 | Employer's contribution to your NPS account | Old regime: 10% of Basic + DA (14% for Central or State Government). New regime: 14% for all |
| Section 80D | Section 126 | Health insurance, preventive check-up, medical expenses of an uninsured senior citizen | Self and family ₹25,000 (₹50,000 if a senior citizen); parents ₹25,000 (₹50,000 if a senior citizen); check-up ₹5,000 within these |
| Section 80E | Section 129 | Interest on a loan for higher education | No limit; for 8 years from the year repayment starts |
| Section 80EEB | Section 132 | Interest on a loan for an electric vehicle sanctioned 1 Apr 2019 to 31 Mar 2023 | ₹1,50,000 |
| Section 80G | Section 133 | Donations to approved funds and charities | 100% or 50% of the donation; some subject to 10% of adjusted gross total income; no deduction for cash above ₹2,000 |
| Section 80GG | Section 134 | Rent paid by a person who gets no HRA | Least of ₹5,000 a month, 25% of total income, rent minus 10% of total income |
| Section 80TTA / 80TTB | Section 153 | Savings account interest (below 60) / deposit interest (senior citizens) | ₹10,000 / ₹50,000 |
How the planner applies the limits
- New regime (the default, Section 115BAC / Section 202): only the ₹75,000 standard deduction and 80CCD(2) at 14% of Basic + DA are taken. Everything else on this page, including HRA and self-occupied home-loan interest, is ignored.
- Old regime: ₹50,000 standard deduction, HRA and home-loan interest (up to ₹2 lakh) first, then each Chapter VI-A deduction within its limit. Total deductions cannot exceed gross total income. Chapter VI-A of the 1961 Act is Chapter VIII of the 2025 Act.
- 80D: the self-and-family limit is ₹50,000 if you are 60 or above even if the "spouse" question is answered No. Include a preventive health check-up (up to ₹5,000, cash allowed) and medical bills of an uninsured senior citizen within the premium figures.
- 80TTA / 80TTB: below 60, up to ₹10,000 of savings account interest (not FD interest). Senior citizens get up to ₹50,000 on all bank, co-operative bank and post office deposit interest instead, and cannot also claim 80TTA.
- 80GG is worked out on total income before 80GG and 80G, and 80G's 10% limit on adjusted gross total income after all other deductions, including 80GG. 80GG is ignored if you also enter an HRA exemption. Capital gains taxed at special rates are not handled here.
- Employer contributions to NPS, PF and superannuation above ₹7.5 lakh a year in total are taxable as a perquisite; the planner does not add that back.
Official sources: deduction limits for AY 2026-27 — incometax.gov.in, Salaried Individuals for AY 2026-27; section numbers of the Income-tax Act, 2025 — Income-tax Act, 2025 (Gazette of India) and incometaxindia.gov.in. Checked on 30 October 2026.
Important note: This tool provides an indicative output only. It does not factor in every special provision, surcharge, exception, or recent notification. Verify the position on the official portal or with a qualified professional before acting on any computation.
Frequently Asked Questions
Which deductions are allowed under the new tax regime?
Under the new regime (Section 115BAC for FY 2025-26, Section 202 of the Income-tax Act, 2025 from Tax Year 2026-27) a salaried person gets the Rs 75,000 standard deduction and the employer's contribution to NPS under Section 80CCD(2) (Section 124), up to 14% of Basic + DA. Deductions such as 80C, 80CCD(1B), 80D, 80E, 80G, 80GG and 80TTA / 80TTB are available only in the old regime.
What are the Section 80D limits for senior citizens?
For premiums on self, spouse and children the limit is Rs 25,000, or Rs 50,000 if any of them is a senior citizen (60 or above). There is a separate limit for parents: Rs 25,000, or Rs 50,000 if a parent is a senior citizen. A preventive health check-up of up to Rs 5,000 is within these limits, and medical expenses of a senior citizen with no health insurance can be claimed within the Rs 50,000 limit. From Tax Year 2026-27 the same deduction is in Section 126 of the Income-tax Act, 2025.
What are the new section numbers for these deductions from Tax Year 2026-27?
Under the Income-tax Act, 2025: 80C becomes Section 123, 80CCD (including 80CCD(1B) and 80CCD(2)) Section 124, 80D Section 126, 80E Section 129, 80EEB Section 132, 80G Section 133, 80GG Section 134, and 80TTA and 80TTB are combined in Section 153. The limits are the same. Returns for FY 2025-26 (AY 2026-27) still use the 1961 Act numbers.
Can I still claim 80EEB for an electric vehicle loan?
Yes, if the loan was sanctioned by a bank or NBFC between 1 April 2019 and 31 March 2023. Interest of up to Rs 1.5 lakh a year can be claimed under the old regime until the loan is repaid, under Section 80EEB for FY 2025-26 and Section 132 of the Income-tax Act, 2025 from Tax Year 2026-27. A loan sanctioned after 31 March 2023 does not qualify.
How is the 80GG rent deduction calculated?
If you do not receive HRA, you can deduct the least of Rs 5,000 a month, 25% of total income, and rent paid minus 10% of total income. Total income here is before the 80GG deduction. You, your spouse, minor child or HUF must not own a house at the place where you live or work, and a declaration in the prescribed form is needed. It is Section 134 from Tax Year 2026-27.
How does the planner work out the tax saved?
It computes old-regime tax twice, once without your Chapter VI-A deductions and once with them (both after the standard deduction, HRA and home-loan interest), and shows the difference as the tax saved. It then computes new-regime tax with only the Rs 75,000 standard deduction and 80CCD(2), so you can see which regime gives lower tax. Surcharge with marginal relief and 4% cess are included; special-rate income such as capital gains is not.
Due in the next 30 days
Income tax- TDS / TCS deposit (e-Pay Tax, Challan ITNS 281) for October
- ITR Filing (taxpayers under audit, companies)
- ITR Filing (international / specified domestic TP)
Full compliance calendar → Statutory dates, which can be extended by notification. General information only.