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💚 FY 2025-26 · Save up to ₹78,000 in tax legally

Tax Saving Calculator India

Find exactly how much tax you CAN save. Enter your salary → get personalised savings plan with 80C, 80D, NPS, HRA, home loan.

💼 Your Income & Tax Details
Income
₹12,00,000 per year
FD interest, rental income, etc.
Current Investments & Deductions
PF + PPF + ELSS + LIC + etc. Max limit: ₹1,50,000
Self + family: up to ₹25,000. Parents: up to ₹50,000 extra
Additional ₹50,000 deduction — over and above 80C limit!
HRA from employer
Rent you pay/month
Section 24b: up to ₹2,00,000 deduction
💰 Your Tax Saving Summary
Total Tax You Can Save
₹0
Fill in your details to see savings
Without Tax Saving
₹0
Tax payable now
After Full Saving
₹0
Tax payable after
Savings Breakdown:
Total deductions claimed₹0
Taxable income₹0
Tax regime usedOld Regime (best for deductions)
🎯 Your Personalised Tax Saving Action Plan
💰
Calculate Exact Tax — New vs Old Regime
Compare both regimes with your actual numbers side by side
Full Tax Calculator →
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Frequently Asked Questions
What is the maximum tax saving possible in India?▼
Maximum tax savings under old regime: 80C (₹1.5L) + 80CCD(1B) NPS (₹50K) + 80D health (₹75K) + HRA (varies) + home loan interest (₹2L) = potentially ₹4.75L+ in deductions. At 30% slab this saves ₹1.4L+ in tax. Use this calculator to find your exact maximum.
Can I claim 80C and NPS both?▼
Yes. Section 80CCD(1B) NPS deduction of ₹50,000 is SEPARATE from Section 80C limit of ₹1.5 lakh. So you can claim both: ₹1.5L under 80C (PPF, ELSS, LIC, PF) AND ₹50,000 under 80CCD(1B) NPS = total ₹2 lakh deduction under these two sections alone.
How to save tax on salary above ₹15 lakh?▼
For salary above ₹15L, compare both regimes. Old regime maximum deductions: Standard deduction ₹50K + 80C ₹1.5L + NPS ₹50K + HRA (if applicable) + home loan interest ₹2L + 80D ₹75K = ₹5.25L+ potential deductions. New regime: just ₹75K standard deduction but lower rates.