Deduction Gap Planner
See your remaining Section 80C, NPS, health insurance, and home loan interest tax-saving room for this financial year -- and a month-by-month plan to use it. No product recommendations.
Your taxable income after deductions you have already claimed. Tax saved is worked out as the real drop in your tax bill (slabs, rebate and cess), so it depends on this figure -- for the full old-vs-new regime comparison, use our Income Tax Calculator.
PPF, ELSS, EPF, life insurance, tax-saver FD, home loan principal, etc. Remember: your mandatory EPF contribution already counts here -- check your latest payslip or Form 16 for the exact amount deducted so far this year.
Voluntary self-contribution, separate from any employer NPS contribution.
Capped at ₹2,00,000/year.
The financial year ends March 31 -- how many months are left to invest?
Your Tax-Saving Room
Total Remaining Headroom
₹3.65L
Potential Tax Saved If Maxed
₹75.92K
Suggested Monthly Contribution
₹60.83K/month
Your Marginal Tax Rate
20.8%
Bucket by Bucket
| Deduction | Annual Limit | Used So Far | Remaining | Tax Saved If Maxed |
|---|---|---|---|---|
| Section 80C / 123 | ₹1.50L | ₹50.00K | ₹1.00L | ₹20.80K |
| NPS -- Section 80CCD(1B) | ₹50.00K | ₹0 | ₹50.00K | ₹10.40K |
| Health Insurance -- Section 80D | ₹25.00K | ₹10.00K | ₹15.00K | ₹3.12K |
| Home Loan Interest (Self-Occupied) | ₹2.00L | ₹0 | ₹2.00L | ₹41.60K |
We won't recommend specific funds, insurers, or products here -- just your numbers and a plan. See our guides for how to evaluate each option yourself.
This planner is for illustrative purposes only, assumes the OLD tax regime (these deductions do not apply under the new regime), and uses figures verified as of September 2026. It is not tax or investment advice.
Rates and rules last verified on 09 Aug 2026.
How the Deduction Gap Planner Works
Most people who choose the old tax regime don't actually use their full deduction limits -- an unused ₹30,000 of 80C headroom or an unclaimed 80D health insurance premium is real money left on the table every single year. This planner takes what you're currently claiming across each Chapter VI-A section and shows exactly how much room is left in each one, rather than a single vague 'save more tax' suggestion.
It works through the major old-regime-only sections one at a time: Section 80C (₹1.5 lakh -- PPF, ELSS, EPF, life insurance, home loan principal, etc.), the additional ₹50,000 NPS self-contribution under 80CCD(1B) (on top of, not counted within, the 80C limit), and Section 80D health insurance (limits that scale from ₹25,000 up to ₹1,00,000 depending on whether you and your parents are senior citizens). For each section, it shows your current claim, the maximum allowed, and the gap -- and what that gap is worth in actual tax saved at your slab rate.
Frequently asked questions
Is it worth maximizing every deduction even under the old regime?
Only if you were going to invest/spend that money anyway for a genuine reason -- locking money into an ELSS or PPF purely to save tax, when you need the liquidity elsewhere, can cost you more in flexibility than the tax saved is worth. Use this planner to find gaps in what you're already doing, not as a reason to lock up money you need.
Do these deductions apply if I choose the new tax regime?
No -- almost none of the Chapter VI-A deductions this planner covers (80C, 80CCD(1B), 80D and most others) are available under the new regime. If you've chosen the new regime, check the Income Tax Calculator to see which regime suits you first.
Can I claim the full ₹50,000 NPS benefit on top of my full ₹1,50,000 80C?
Yes -- Section 80CCD(1B)'s ₹50,000 NPS self-contribution limit is explicitly additional to, not carved out of, the ₹1,50,000 Section 80C limit, making ₹2,00,000 the combined ceiling across both sections.