NYVO Calculator
80C Deduction Optimizer
Which 80C slots to fill first – ELSS, PPF, EPF, life insurance, home loan principal – to maximise your ₹1.5L deduction.
How much are you putting into each 80C instrument this year?
₹1,50,000 annual ceiling. Fill the top-ranked slots first.
EPF employee share
AutoYour paycheque already deducts this. It counts toward 80C without any extra action.
Lock-in: Till retirement / job change
₹Home loan principal
If applicableThe principal portion of your home-loan EMI qualifies under 80C. Free money – already paying anyway.
Lock-in: 5-year clawback if property sold
₹ELSS mutual funds
Equity SIP3-year lock-in, 12-14% expected CAGR. The shortest lock among 80C options with real equity returns.
Lock-in: 3 years
₹PPF
Guaranteed 7.1%15-year lock-in. Tax-free returns at maturity. Great for the risk-averse portion of the allocation.
Lock-in: 15 years
₹Sukanya Samriddhi
Girl child8.2% tax-free for daughters under 10. Higher than PPF – use if you have an eligible girl child.
Lock-in: Till age 21 of the child
₹Life insurance premium
Pure term onlyPremiums paid for self + spouse + kids. Use for a pure-term plan. Traditional LIC endowment is almost never optimal.
Lock-in: Annual
₹NSC / 5-yr tax-saver FD
DebtFixed return, 5-year lock. Interest is taxable. Usually the last-resort slot to fill.
Lock-in: 5 years
₹
80C used this year
₹30,000
/ ₹1,50,000
Estimated tax saved
₹9,000
Assuming you're in the 30% old-regime slab. Lower slabs save proportionally less.
Fill these next (₹1,20,000 left)
- 1
Home loan principal
The principal portion of your home-loan EMI qualifies under 80C. Free money – already paying anyway.
- 2
ELSS mutual funds
3-year lock-in, 12-14% expected CAGR. The shortest lock among 80C options with real equity returns.
- 3
PPF
15-year lock-in. Tax-free returns at maturity. Great for the risk-averse portion of the allocation.
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