Your Tax Saving Score™
Are you overpaying taxes? Answer the questions below and watch your score update live — find out exactly which deductions you’re missing.
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- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Fill in the details — the answer on the right updates as you go.
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Our CA compares old vs new regime and helps you claim every rupee you’re entitled to.
Disclaimer: This score is an indicative self-assessment of unclaimed deductions, not tax advice. Actual savings depend on your income, regime and eligibility.
How the Tax Saving Score works
Each question checks one common deduction or planning step. The more opportunities you’ve already used, the lower your score — a low score is good. Points add up for every deduction you’re missing or unsure about, up to 100. The band below tells you how much tax you may be leaving on the table.
Top deductions to use
These are the deductions most salaried and self-employed Indians forget. Claiming even a few of them can save tens of thousands each year under the old regime.
Section 80C up to ₹1.5L
PPF, ELSS, LIC, EPF, NSC, tax-saving FDs and home-loan principal. At a 30% slab this saves ~₹46,800 in tax every year.
Section 80D up to ₹1L
Health-insurance premiums for self, family and parents. ₹25,000 for family plus up to ₹50,000 for senior-citizen parents.
NPS 80CCD(1B) extra ₹50k
An additional ₹50,000 over and above 80C. At the 30% slab that’s ~₹15,600 more saved every year.
Home Loan 24(b) up to ₹2L
Interest on a self-occupied home loan is deductible up to ₹2,00,000; 80EEA can add more for eligible first-time buyers.
Section 80E no limit
Full interest on an education loan is deductible for up to 8 years with no upper cap on the amount.
Old vs New Regime compare first
Never file on default. With big 80C/HRA/home-loan claims the old regime often wins — always compare before choosing.
Questions people ask
Short answers on Tax Saving Score. Tap a question to open it.
01What is a tax saving score and how is it calculated?
A tax saving score evaluates how efficiently an individual utilises available tax deductions and exemptions under the Income Tax Act. It considers utilisation of 80C limit, 80D health insurance, HRA, home loan deductions, NPS contributions, and regime choice optimality.
02What is the maximum tax saving possible for a salaried individual in India?
A salaried person can save tax on approximately Rs 4.25-5.5 lakh of income through various deductions in the old regime: Rs 75,000 (standard deduction), Rs 1,50,000 (80C), Rs 50,000 (80CCD(1B)), Rs 25,000-50,000 (80D), Rs 2,00,000 (home loan interest), plus HRA and LTA exemptions.
03How does health insurance help in saving income tax?
Health insurance premiums are deductible under Section 80D: up to Rs 25,000 per year for self, spouse, and children (Rs 50,000 if any are senior citizens), plus up to Rs 25,000 for parents' premiums (Rs 50,000 if parents are senior citizens). Maximum deduction of Rs 1,00,000 per year is possible.
04What are some often-missed tax saving opportunities for salaried employees?
Often-missed deductions include: Section 80E (education loan interest, no cap for 8 years), Section 80G (donations to specified charities, up to 100% deduction), Section 80U (Rs 75,000-1,25,000 for disability), LTA exemption, food vouchers, and uniform allowance where applicable.
05Is there a way to save tax on rental income from a second property?
For a let-out property, 30% standard deduction is allowed on net annual value under Section 24(a), home loan interest is fully deductible under Section 24(b) (no Rs 2 lakh cap for let-out property), and municipal taxes paid are also deductible. These can significantly reduce taxable rental income.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.