ELSS Calculator
The only 80C option that builds real wealth. Growth plus tax saved. Free, private, no signup.
Your ELSS plan
₹12,500/month = ₹1.5L/year, the full 80C limit.
Only matters under the old regime — 80C gives no benefit in the new regime.
In 10 years
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You invested-
Tax saved (old regime, yearly)-
ELSS: the only 80C option that builds wealth
ELSS (Equity Linked Savings Scheme) invests your 80C money in equity mutual funds — with the shortest lock-in of any tax saver: 3 years (PPF: 15, NSC: 5, tax FD: 5). Every SIP instalment is locked 3 years from its own date.
- The real return includes the tax saved. ₹1.5L/year in ELSS at 30% slab saves ₹46,800 in tax yearly — that's an instant 31% "return" before markets do anything.
- New regime killed the party. 80C deductions don't exist in the new tax regime. Only run this math if you file under the old regime.
- Don't redeem at 3 years blindly. The lock-in ending isn't a sell signal — ELSS is equity; judge it on the same 5–7+ year horizon as any equity fund.
FAQs
ELSS vs PPF for 80C?
ELSS for growth (market-linked, 3-yr lock-in, taxable gains), PPF for safety (7.1% guaranteed, 15-yr lock-in, tax-free). Young earners with long horizons usually favour ELSS.
Is ELSS lock-in really 3 years?
Yes — the shortest among 80C options. But each SIP instalment has its own 3-year clock.
Can I claim ELSS in the new tax regime?
No. The new regime has no 80C deduction — ELSS then is just an equity fund with a lock-in. File old-regime to get the benefit.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Market returns are never guaranteed; tax rules as of FY 2026-27.