Investment
ELSS Calculator
Calculate ELSS returns and Section 80C tax savings
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%
Yrs
Results
Total Invested—
Tax Saved (80C)—
Maturity Value—
Invested
Returns
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹5,000/month at 14% for 5 years, 30% bracket | Maturity ₹4.76L, Tax saved ₹54K/yr |
| ₹12,500/month at 14% for 10 years, 30% bracket | Maturity ₹34.5L, Tax saved ₹1.35L/yr |
How It Works
Formula, methodology and key concepts explained
ELSS combines tax savings with equity growth. Unlike PPF or NSC which are debt instruments, ELSS invests in equities, offering potentially higher returns. The 3-year lock-in is the shortest among all 80C instruments.
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Frequently Asked Questions
Common questions about ELSS Calculator
- ELSS (Equity Linked Savings Scheme) is a type of mutual fund that qualifies for tax deduction under Section 80C (up to ₹1.5 lakh/year). It has the shortest lock-in among 80C options — just 3 years — and historically delivers equity-level returns.
- You can invest up to ₹1.5 lakh in ELSS and claim deduction under 80C. If you're in the 30% tax bracket, this saves ₹46,800 in taxes annually (₹1.5L × 31.2% with cess).
- Yes — ELSS gains are treated as Long Term Capital Gains (LTCG) since the lock-in is 3 years. LTCG up to ₹1.25 lakh per year is tax-free; above that, taxed at 12.5% (no indexation).
Key Numbers to Know
Benchmark figures for Investment planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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