Tax Saving Gap Analyzer (India): Find Unused Tax Benefits Under 80C, 80D & NPS in 2026

Most salaried Indians know they should “save tax”, but very few know how much tax-saving potential they are actually wasting every year.

You may already be investing in PF, paying health insurance premiums, or even contributing to NPS — yet still end up paying more tax than necessary simply because you are not utilising the available limits fully.

This is exactly what our Tax Saving Gap Analyzer (India) helps you identify.

In this detailed guide, we’ll explain:

• What a tax saving gap is

• How Sections 80C, 80D, and 80CCD(1B) really work

• Why PF alone is often not enough

• Real examples with ₹18L–₹28L salaries

• How to use the Tax Saving Gap Analyzer correctly in 2026

All explanations are based on FY 2026–27 (Old Tax Regime).

What Is a Tax Saving Gap?

A tax saving gap is the difference between:

• The maximum deduction allowed by law, and

• The deductions you are actually using

For example:

• You are allowed ₹1.5 lakh under Section 80C

• But you only use ₹1.25 lakh

👉 The unused ₹25,000 is your tax saving gap.

When multiple sections are involved (80C, 80D, NPS), this gap can easily cross ₹1 lakh per year, leading to avoidable tax outgo.

Why Most Salaried Employees Miss Tax-Saving Opportunities

Here are the most common reasons:

• Assuming PF alone is enough for tax saving

• Not knowing that NPS has an extra ₹50,000 deduction

• Underutilising health insurance deductions for parents

• Choosing investments without checking actual deduction limits

• Switching to the New Tax Regime without comparing impact

The Tax Saving Gap Analyzer fixes this by showing the gap clearly.

Sections Covered by the Tax Saving Gap Analyzer

The tool focuses on the most important and commonly applicable sections for salaried individuals.

1️⃣ Section 80C – ₹1,50,000 Limit

Section 80C allows a deduction of up to ₹1,50,000 for eligible investments such as:

• Employee PF

• EPF / VPF

• ELSS mutual funds

• PPF

• Life insurance premium

• Tuition fees (conditions apply)

Important:
Employee PF already counts under 80C.
Many people mistakenly think PF is “extra” — it’s not.

Common mistake

“My PF is ₹1 lakh, so I still have ₹1.5 lakh left.”

❌ Wrong.
You only have ₹50,000 left.

The tool automatically includes PF while calculating the 80C gap.

2️⃣ Section 80D – Health Insurance (Up to ₹75,000 or ₹1,00,000)

Section 80D allows deductions for health insurance premiums:

For individuals below 60:

• Self / Family: ₹25,000

• Parents: ₹50,000

• Total possible: ₹75,000

For senior citizens:

• Higher limits apply (up to ₹1,00,000 in some cases)

Many salaried employees:

• Buy only a basic personal policy

• Ignore parents’ health insurance deduction

The Tax Saving Gap Analyzer highlights unused 80D capacity clearly.

3️⃣ Section 80CCD(1B) – NPS Extra ₹50,000 (Over and Above 80C)

This is the most underutilised tax-saving section.

Under 80CCD(1B):

• You can claim an additional ₹50,000

• Over and above the ₹1.5 lakh 80C limit

• Applicable only under the Old Tax Regime

This means:

• 80C: ₹1,50,000

• NPS (1B): ₹50,000
  👉 Total potential = ₹2,00,000

The tool shows:

• How much NPS you are already using

• How much of the ₹50,000 is still unused

How the Tax Saving Gap Analyzer Works?

The tool follows a simple but accurate process:

1. Takes your salary and age details

2. Adds PF automatically under Section 80C

3. Checks other 80C investments

4. Applies correct 80D limits based on age

5. Separately calculates NPS under 80CCD(1B)

6. Shows:

   • Used amount

   • Maximum allowed

   • Gap (unused amount)

7. Estimates potential tax impact based on your slab

It does not force investments — it simply shows what you’re missing.

So go ahead and use the Tax Saving Gap Analyzer calculator below and Find Unused Tax Benefits Under 80C, 80D & NPS in 2026

Checkout Income Tax Calculator India (Old vs New Regime)

Salary Breakup Calculator India – Calculate Take-Home Salary from CTC

HRA Exemption Calculator India – Calculate Tax-Free HRA Easily

Salary Breakup Optimizer (India) 2026 – Increase Take-Home Pay Legally

If you’re looking for a modern, feature-rich, and trader-friendly platform, Dhan is easily one of the best choices available today. From zero account opening charges to advanced tools like native TradingView, options strategy builder, and free API access, Dhan is clearly built with the modern Indian trader in mind.

With Dhan you can also invest and trade in IPO’s, NFO’s, SIP, Bonds, ETF, SGB, and many other financial products with so much ease.

Whether you’re an intraday trader, an options strategist, or a long-term investor, Dhan offers the perfect blend of speed, simplicity, and smart technology — without burning a hole in your pocket.

Why wait? Open your Dhan account now and take control of your trading journey with confidence.

👉 Click here to get started with Dhan

Why the Tool Uses “Up To” for Tax Saved

Tax saved depends on your marginal tax slab, not your average rate.

That’s why the tool says:

“This may cost you up to ₹X extra tax every year.”

This is:

• More accurate

• YMYL-safe

• Honest for high-income and mid-income users

Who Should Use the Tax Saving Gap Analyzer?

This tool is ideal for:

• Salaried employees in India

• People using the Old Tax Regime

• Annual income above ₹6–7 lakh

• Anyone unsure whether they are fully utilising deductions

It is especially useful for:

• ₹15L–₹40L salary range

• Employees with PF + insurance but no NPS

When Filling the Gap May NOT Be Necessary

You may not need to fill every gap if:

• You are switching to the New Tax Regime

• You prefer liquidity over lock-ins

• Your financial goals don’t align with certain instruments

The tool intentionally does not push you to invest blindly.

What to Do After Using the Tool

Once you know your tax-saving gap, your next steps should be:

1️⃣ Compare Old vs New Tax Regime
2️⃣ Decide which gaps are worth filling
3️⃣ Align investments with long-term goals
4️⃣ Review take-home salary impact

This is why the tool naturally links to regime comparison and salary tools.

Frequently Asked Questions (FAQs)

Does PF count under Section 80C?

Yes. Employee PF contribution is part of the ₹1.5 lakh 80C limit.

Is NPS ₹50,000 deduction separate from 80C?

Yes. Section 80CCD(1B) provides an additional ₹50,000 deduction.

Does this tool work for the New Tax Regime?

No. Most deductions shown here apply only to the Old Tax Regime.

Is it mandatory to fill the entire gap?

No. The tool shows opportunity, not obligation.

Final Thoughts

A Tax Saving Gap Analyzer should not tell you what to buy.
It should tell you what you are missing — clearly and honestly.

This tool does exactly that.

👉 Use it to make informed tax decisions, not last-minute guesses.

If you’re serious about trading, don’t compromise on tools or speed.

🔥 Open Your Free Dhan Account Today & Start Trading Smarter →

If you’re a trader or want more control over execution, charts, and speed.
Dhan is not just another discount broker — it’s genuinely innovating, especially for the next-gen Indian trader.

If you’re tired of clunky trading platforms and want modern, high-speed trading with transparent fees — Dhan is one of the best stockbrokers in India today.

According to the latest NSE reports  there are about 200+ stock brokers in India, however what makes Dhan a leading and strong contender in the stock broking industry is the tools and resources they have in their trading platform.

Moreover there are no hidden charges and the brokerages are very minimal if we do the industry comparison. They are also backed by cash enriched investors so nothing to fear.

If I have to rate Dhan app after looking at there breakthrough pricing model for brokerages as well as other charges and experiencing there simple yet great user interface for trading platform I would give it 9.6 out of 10.

There’s never been a better time to take control of your financial future and with Dhan, you get the fastest, most reliable, and feature-packed stock broker app in India for 2025.

Whether you’re a beginner eager to start investing or an experienced trader seeking advanced tools and zero brokerage on delivery trades, Dhan has everything you need to succeed.

Don’t settle for less. Join over 2 million + satisfied users who trust Dhan to power their trading journey every day. With zero account opening fees, free access to multiple platforms, and dedicated customer support, the path to smarter trading has never been easier.

🚀 Ready to Elevate Your Trading Game?
Start your journey with Dhan — India’s fastest, most reliable, and user-friendly stock broker app trusted by over 1 million users.

No hidden fees. No complicated processes. Just smart, seamless trading.

Open My Free Dhan Account Now

It takes less than 5 minutes to sign up and start trading.

If, you have liked the content please do share it with your friends or on social media, as sharing do bring the good karma. If you have any questions or feedback you can leave them in comment box below.

🌟 4 Best Brokers for Trading in India – Dhan vs Upstox vs Zerodha vs Fyers

🏆 Best Demat & Trading Account in India – Dhan vs Upstox vs Zerodha vs Groww

Dhan vs Zerodha vs Upstox vs Groww: Best Broker for Options Trading in India

Best App for Options Trading in India | Dhan vs Zerodha, Upstox, Fyers

Commodity Trading in India: A Beginner’s Guide to Earning from Gold, Oil & More

Here is the list of things as a beginner you should know, if you are thinking for doing intraday trading.

A brief understanding of

How share market works?

How To Invest In Indian Stock Market – Explained With Examples For Beginners

The Ultimate Step-by-Step Monster Guide to Trading & Investing in India

Learn about the basics of candlestick chart patterns and how to use them for intraday trading and investing. You should also learn about the best moving averages to use for better trading result.

Checkout Mastering Intraday Trading: A Beginner’s Guide to Profitable Strategies in the Indian Stock Market