Tax Saving Calculator
See how much more tax you could save by using the old regime's remaining deduction headroom — and whether it is worth it, by comparing the best possible old-regime outcome against the new regime.
Free · No sign-up · Nothing leaves your browser · Figures reviewed 22 September 2026
Your details
Only changes the old regime, where the basic exemption rises with age.
EPF, PPF, ELSS, life insurance, principal on a home loan, children's tuition. Capped at ₹1,50,000.
Capped at ₹50,000, over and above the ₹1.5 lakh.
Capped at ₹2,00,000 for a self-occupied property.
More tax you could save
₹51,480
By investing a further ₹1,65,000 across the deductions below.
Headroom left
- Section 123 — investments (was 80C)₹60,000 of ₹1,50,000 used
- ₹90,000
- Section 126 — health insurance (was 80D)₹0 of ₹25,000 used
- ₹25,000
- Section 124(3) — own NPS (was 80CCD(1B))₹0 of ₹50,000 used
- ₹50,000
- Home-loan interestCapped at ₹2,00,000 for a self-occupied property
- ₹2,00,000
- Total headroom
- ₹1,65,000
What it changes
- Old regime tax now
- ₹2,07,480
- Old regime tax with limits used
- ₹1,56,000
- Saving
- ₹51,480
Against the new regime
- New regime tax
- ₹81,900
- Best old regime tax
- ₹1,56,000
- Difference
- ₹74,100
Even with every old-regime limit used, the new regime is cheaper on these numbers. Investing purely to save tax would not pay here.
Every deduction here exists only in the old regime. Under the new default regime none of them apply, which is why the comparison at the bottom matters more than the headroom at the top.
A deduction is worth your marginal rate, not the amount invested. Locking ₹1.5 lakh away to save ₹45,000 in tax is a good deal only if you wanted the investment anyway.
Health insurance has a ₹5,000 sub-limit for preventive check-ups inside the overall cap, and a ₹1,00,000 overall maximum across self, family and parents.
This is an estimate for planning, not tax advice. It uses the FY 2026-27 rates and assumes a standard salary structure — your actual liability depends on your full income, declarations and proofs.
A tax-saving planner that only shows headroom is half a tool. The question is not how much more you could invest, but whether investing it beats simply staying in the new regime.
This shows both: the headroom left in each deduction, the tax that using it would save, and the comparison against the new regime with no deductions at all.
The limits, under their new section numbers
Investments, formerly section 80C, are now section 123 and still capped at ₹1,50,000 in aggregate. Own NPS, formerly 80CCD(1B), is section 124(3) at ₹50,000 on top. Health insurance, formerly 80D, is section 126 — ₹25,000 for self and family, ₹50,000 where the insured is a senior citizen, a separate limit for parents, a ₹5,000 sub-limit for preventive check-ups, and ₹1,00,000 overall.
Home-loan interest on a self-occupied property stays at ₹2,00,000. Interest on a let-out property remains deductible in the new regime, but the resulting loss cannot be set off against salary.
A deduction is worth your marginal rate
Investing ₹1,50,000 in the 30% band saves ₹45,000 plus cess. In the 5% band it saves ₹7,500. The same investment, very different value.
If the money would have been invested anyway, the saving is free. If you are locking it away purely for the deduction, weigh it against the liquidity you are giving up — a five-year lock-in for a one-off saving is a worse trade than it looks on a spreadsheet.
Frequently asked questions
- What is the 80C limit for FY 2026-27?
- ₹1,50,000 in aggregate, now under section 123 of the Income-tax Act 2025. It covers EPF, PPF, ELSS, life insurance premiums, home-loan principal and children's tuition fees among others.
- Do tax-saving investments help in the new regime?
- No. Section 123, section 126 health insurance and own NPS are all unavailable in the new regime. Only the standard deduction and the employer's NPS contribution survive.
- How much tax can I save with 80C and 80D together?
- At the 30% marginal rate, ₹1,50,000 under section 123 and ₹25,000 under section 126 save about ₹54,600 including cess — but only if the old regime is the better choice for you overall, which the comparison above checks.
About this tool
Built by the ViniOffice team. Figures and rules last reviewed 22 September 2026 against the statutory reference this team maintains. Indian statutory rates are date-effective and change by notification — confirm against the current one before running payroll or filing. This is an estimate for planning, not tax advice. It uses the FY 2026-27 rates and assumes a standard salary structure — your actual liability depends on your full income, declarations and proofs.
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