Tax Planning for FIRE India

Maximise your tax savings on the path to financial independence—80C, 80CCD(1B), ELSS, PPF, NPS, and the old vs new tax regime. India-specific, practical.

Tax-Saving Instruments

• Section 80C — Deduction up to ₹1.5 lakh for ELSS, PPF, EPF, NPS.
• Section 80CCD(1B) — Extra ₹50,000 NPS deduction beyond 80C.
• ELSS — Tax-saving equity fund with 3-year lock-in.
• Tax-saving FD — 5-year FD qualifying for 80C.
• ELSS vs PPF vs Tax-saving FD — Compare the three main 80C options.
• Old vs New Tax Regime for FIRE — Which regime suits FIRE investors.
• LTA (Leave Travel Allowance) — Tax exemption for travel.
• HRA (House Rent Allowance) — Tax exemption for rent.
• Tax-Efficient Withdrawal — Minimise tax when withdrawing in retirement.
• NPS — Tax benefits and extra 80CCD(1B) deduction.
• PPF — Tax-free returns, 80C benefit.
• EPF — Tax-free employer-employee savings.

Key Comparisons

ELSS vs PPF vs Tax-saving FD—which 80C option suits you? Old vs New Tax Regime—which saves more for FIRE?

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