Save up to
₹78,000 in tax,
every single year.
Beyond 80C — we map your income to the right mix of NPS, ELSS, health insurance, home loan and parental medical cover. CA-curated, optimised for your bracket, delivered in one plan.
Your annual income
₹15.0 L
Estimated tax saved / year
₹0
via 80C + 80CCD(1B) + 80D combined
Maximum savings stack
₹78K
Combine 80C (₹46,800) + 80CCD(1B) NPS (₹15,600) + 80D (₹15,600) — that's how the math works in the 30% bracket.
They saved me ₹54,000 in the first year — money I'd been leaving on the table for a decade.
Priya S.
Software engineer · Bengaluru
₹0
Maximum tax saved per year
0+
Tax-saving plans curated
₹0
Average saving per customer
0%
CA-curated, ERI-authorised
Where the savings come from
Eight ways to save tax — actually used
We don't just stack 80C. The right plan combines 80C, 80CCD(1B), 80D, 24(b) and 80G based on your income, family, and goals.
PPF / EPF / VPF
Limit: Up to ₹1.5 L
Government-backed schemes with 7.1% tax-free returns. PPF locks in for 15 years; EPF runs through your employer.
Add to my planELSS funds
Limit: Up to ₹1.5 L
3-year lock-in (shortest in 80C). Equity-linked, ~12-15% historical returns.
Add to my planNPS Tier-I
Limit: Extra ₹50,000
Over and above 80C. ₹15,600 tax saved instantly in 30% bracket.
Add to my planHealth insurance
Limit: Up to ₹50,000
₹25K self/family + ₹50K parents (senior). Mediclaim premiums.
Add to my planHome loan interest
Limit: Up to ₹2 L
Self-occupied home interest paid. ₹1.5 L on principal under 80C too.
Add to my planEducation loan
Limit: No upper limit
Higher-education loan interest deductible for up to 8 years.
Add to my planTuition fees / SSY
Limit: Up to ₹1.5 L
Children's tuition fees and Sukanya Samriddhi Yojana for daughters.
Add to my planDonations
Limit: 50–100% deductible
PM CARES, registered NGOs, approved charities. Receipts required.
Add to my planHow it works
From income to saved tax — in four steps
No spreadsheets, no guesswork. We compute the math, a CA validates, and you execute in one go.
Share your income
Salary, business, capital gains, rentals — quick form, no documents at this stage.
AI maps deductions
We compute the optimal mix across 80C / 80CCD(1B) / 80D / 24(b) for your bracket.
CA reviews & adjusts
A senior CA validates the plan, suggests instruments, and tailors to your goals.
Execute & track
Buy through partner platforms or your own broker. We track contributions year-round.
12 CAs online · plan in 24 hrsCurated by experts
Sudhir Kaushik & CA team
Co-founder, TaxSpanner · 18+ years · Featured on ET Now, Times of India
Most taxpayers stop at 80C and leave ₹31,200 on the table. The trick is stacking 80CCD(1B) and 80D on top — that's ₹46K's worth of savings most people never claim.
Plans & pricing
Pay once, save year on year
A curated tax-saving plan typically pays for itself 25× over in the first year alone.
Why most people under-save
DIY 80C vs full-stack tax saving
What most people do
- Stop at 80C → leave ₹31,200 on the table
- Skip 80CCD(1B) NPS extra ₹50K deduction
- Forget senior-citizen 80D stacking
- Miss home-loan principal + interest combo
- No year-round contribution tracking
What we build for you
- Save up to ₹78,000 / year (full stack)
- 80CCD(1B) NPS auto-included
- Parental 80D senior limits applied
- 24(b) + 80C home loan optimised
- Reminders before each tax deadline
Common questions
Everything you need to save with confidence
Up to ₹78,000 / year combining 80C (₹46,800 max in the 30% bracket), 80CCD(1B) NPS (₹15,600 extra), and 80D health insurance (₹15,600 max). Exact amount depends on your income, family, and existing investments.
80C has a ₹1.5 lakh combined limit covering PPF, ELSS, EPF, life insurance, etc. 80CCD(1B) is an additional ₹50,000 deduction — only for NPS Tier-I contributions, on top of 80C. Most filers miss this.
The old regime is usually better if you actively use 80C/80CCD(1B)/80D/24(b). The new regime has lower slab rates but disallows most deductions. We compute both and recommend the one that saves more for your specific numbers.
ELSS has a 3-year lock-in (vs 15-year PPF) and historically returns 12-15% vs PPF's 7.1%. ELSS comes with equity risk; PPF is government-backed. Typical advice: split between both, weighted by your risk profile.
Yes — under 80D, you can claim ₹50,000 for senior-citizen parents (above 60) and ₹25,000 for non-senior parents. This is over and above the ₹25,000 you can claim for self/spouse/kids.
Section 80CCD(1B) allows an additional ₹50,000 contribution to NPS Tier-I — separate from the 80C ₹1.5 lakh limit. At 30%+cess, this is ₹15,600 saved every year. Lock-in until 60 years, partial withdrawal allowed.
We recommend categories and contribution amounts (ELSS allocation, NPS scheme type, term-vs-endowment). Specific product recommendation is regulated — we point you to fee-only advisors or partner platforms with lowest expense ratios.
We optimise around what you already have. The plan tells you exactly which gaps to fill (e.g., 'add ₹50K NPS for ₹15,600 extra savings') without forcing you to switch existing instruments.
One-time per AY — but tax laws change, so we re-issue at the start of every financial year for active customers at no extra cost.
Yes, anytime — your inputs are saved and the CA picks up where the AI left off. You only pay the difference.
Family + plan covers up to 4 members. HUF / private trust planning is available as a custom engagement — talk to our team for a quote.
For the Starter plan: just your income summary. For CA-curated: salary slip / Form 16 + a list of current investments. We never ask for OTPs or net-banking access.
10 — Start saving
Stop leaving ₹31,000+ on the table every year.
Most filers stop at 80C. We build the full stack — 80C + 80CCD(1B) + 80D + 24(b) — so you save up to ₹78,000 a year, every year.
From our customers
₹52,300 saved on average
Real plans, real numbers. From salaried to self-employed, here's what our customers saved last year.
Join Thousands of Satisfied Customers
TaxSpanner has helped thousands of individuals and businesses streamline their tax filing process and maximize their refunds. But don’t just take our word for it – see what our customers have to say.
For additional assistance, contact our customer support or visit our FAQ section.
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