Optimal Tax Saver Advisor
See your remaining deduction limits and the potential tax saved if you fill the most useful buckets first.
Problem
Most tax tools stop at liability and do not show where deduction room is still unused.
Promise
Estimate unused old-regime deduction room across 80C, 80D, NPS, and home-loan interest.
Trust note
No login. The estimate runs in the browser and keeps the assumptions visible.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Income and regime
Current deductions
Main answer
₹26,083
Filling the remaining deduction buckets could save about ₹26,083 in annual tax under the old regime.
You are currently using ₹2,61,400 of modeled deductions against salary income of ₹18.0L.
Unused 80C room
₹23,600
Employee PF counts toward the 80C cap before other investments.
Unused 80D room
₹10,000
Assumes the standard self/family health-insurance cap.
Unused NPS room
₹50,000
Separate 80CCD(1B) head used in many tax-saving plans.
Potential tax saved
₹26,083
Difference between current and optimized modeled tax.
Potential tax-saving buckets
Current modeled tax
₹2,69,443
Approximate tax with your current deduction inputs.
Optimized modeled tax
₹2,43,360
Approximate tax after filling the main old-regime buckets.
Home-loan interest used
₹1,20,000
Interest is capped at the standard self-occupied planning limit.
How to read this tool
This is a planning model, not a final quote. Use it to understand the direction and size of the trade-off before committing.
Adjust the inputs to test optimistic and conservative scenarios instead of relying on one default answer.
Why the result leans this way
Start with capped buckets
80C, 80D, and the extra NPS bucket often provide the cleanest first pass because the limits are visible and easy to compare.
Regime choice matters more than bucket filling
If the new regime is materially lower for you, forcing tax-saving products just to use old-regime deductions can still be a weaker move.
Assumptions and sources
Planning scope
This tool is meant for scenario planning. Quotes, taxes, policy terms, and personal preferences can change the final decision.
Effective from 2026-04-01
Tax rules
The advisor uses the repo's versioned FY 2026-27 salary-tax assumptions and common deduction caps for planning.
Effective from 2026-04-01
Frequently asked questions
Why does the tool focus on the old regime?
Because 80C, 80D, and extra NPS deductions mainly matter in the old regime. In the new regime the room often does not change tax materially.
How should I use the optimal tax saver advisor result?
Run it with conservative and aggressive assumptions. If the conclusion survives both cases, the decision is usually more robust.
What can change the real outcome?
Taxes, policy rules, employer terms, personal behavior, and financing costs can all move the final result away from the estimate.
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