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Section 80D Deductions Calculator

Ever wonder what 80D deductions could save you? We've put together this handy tool that gives you an estimate of what your deductions could be. Find out what percentage of your income is tax-deductible. Compute Section 80D tax exemptions now!

What is Section 80D exemptions?

Section 80D allows individuals and Hindu Undivided Families (HUF) to claim deductions on certain expenses done towards medical health insurance premiums from their taxable income. A person can claim deductions on the cost of health insurance and the cost of a preventative health examination for themselves, their spouse, their dependent children, and their parents. This is subject to the limitations and circumstances set out under Section 80D of the Income Tax Act 1961.

How to Calculate Deduction under section 80D?
Persons Covered Exemption Limit Health check-up exemptions Overall Limit under section 80D
Self and family (Non Senior Citizen) ₹25,000 ₹5,000 ₹25,000
Self and family + parents (Non Senior Citizen) ₹(25,000 + 25,000) = ₹50000 ₹5,000 ₹50,000
Self and family (Non senior citizen) + senior citizen parents ₹(25,000 + 50,000) = ₹75,000 ₹5,000 ₹75,000
Self and family (senior citizen) + senior citizen parents ₹(50000 + 50,000) = ₹1,00,000 ₹5,000 ₹1,00,000

Assume you're 60 years old and paying Rs.32,000 annual premium for your and your family’s health insurance. Aside from that, you're paying Rs.35,000 health premium for your parents' coverage, who are 80 years old. In such a scenario, you can obtain the following deductions under Section 80D:

  • You (senior citizen) and your dependents can claim a tax deduction of the complete amount paid as health insurance premiums i.e.32,000. Foryour parents (senior citizens), you can avail a tax deduction of Rs.35,000.
  • So, whole of the premium payment of Rs.67,000 can be claimed as deduction.
What is the 80D Calculator?

Tax2win Section 80D calculator helps you calculate the deductions that you can avail on the medical health insurance policies for which 80D deductions are applicable.

How to use an 80D Calculator?

To use the calculator, follow these steps:

  • Step 1: Select the financial year
  • Step 2: Select whether you are paying taxes under the new regime u/s 115 BAC
  • Step 3: Enter whether the individual in whose name policy has been taken is 60 years or above in age or not.
  • Step 4: Enter the value of Preventive Health Check-Up and Medical Insurance Premium Amount
  • Step 5: Repeat steps 3 and 4 for your parent’s medical policies.
  • Step 6: The total eligible deduction under 80D will be computed automatically and shown on the screen.
Benefits of Using 80D Calculator

In order to help you handle the complicated process of computing eligible deductions on medical and health insurance premiums and preventive health checkups , we have created an 80D deduction calculator that can help you save money on taxes. The 80D deduction calculator will automatically calculate tax deductions that you can claim based on your investment.

Eligibility of Using 80D Calculator

Individuals and HUF can claim deductions under section 80D. Therefore, only those individuals and HUFs who have paid health insurance premiums for Self, Spouse, Dependent children, and/or Parents can use this calculator for calculating the deductions they are entitled to.



What investment comes under section 80D?

Section 80D allows you to claim deductions on the payment of health insurance premiums and the cost of a preventative health examination.


What is the limit of deduction under section 80D of the Income Tax Act, 1961?

The deduction limit under Section 80D for individuals below the age of 60 years is INR 25,000. The 25,000 limit includes a Rs 5,000 preventive health examination. If the insured is 60 years or above in age then the deduction limit is increased to INR 50,000.


Is the Tax2Win calculator safe to use?

Yes, the tax2win 80D deduction calculator is totally safe to use. The data you enter here is not stored and not shared with anyone.

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