What is a 80C Allocation Planner?
Find unused headroom within the old-regime aggregate deduction cap. Eligibility and shared aggregate cap must be checked; new regime does not allow this general deduction.
Use the inputs that describe your actual situation. Change one assumption at a time, compare the results, and read the scope note alongside the number. The tool calculates a stated scenario; it does not decide whether an investment, policy or tax treatment is suitable for you.
Method and assumptions
Eligibility and shared aggregate cap must be checked; new regime does not allow this general deduction.
Read the result with these boundaries
Eligibility and shared aggregate cap must be checked; new regime does not allow this general deduction.
Check the inputs before acting
Confirm actual costs, dates, eligible amounts and product terms from your records. Compare a conservative case and an adverse case rather than relying on the default inputs. A result can change substantially when return, tax, contribution or cost assumptions change.
Frequently asked questions
What does this tool calculate?
Find unused headroom within the old-regime aggregate deduction cap. Headroom = max(0, ₹1.5 lakh − eligible combined payments)
What is outside its scope?
Eligibility and shared aggregate cap must be checked; new regime does not allow this general deduction.
Are the default inputs a recommendation?
No. Defaults are worked scenarios. Use your own verified amounts and test more than one assumption.