ELSS Calculator - Equity Linked Savings Scheme

Your details

SIP invests a fixed amount every month; lump sum invests the entire amount at once.
Amount invested each month. Minimum for most ELSS funds is INR 500.
INR
Historical 10-year average for ELSS funds has been roughly 12-15% per annum. Past returns do not guarantee future performance.
%
ELSS has a mandatory 3-year lock-in. You can stay invested longer for higher compounding.
years
Choose your marginal income tax rate to see how much you save under Section 80C on ELSS investments.
Currency
Maturity valueLow growth
₹412,432

Estimated corpus at the end of your investment horizon

Total invested₹300,000
Estimated returns₹112,432
Annual tax savings (80C)₹18,000
LTCG tax at redemption₹0
Net returns after LTCG₹112,432
Gross returns₹112,432
Annual tax saved (80C)₹18,000
LTCG tax at exit₹0

Your monthly SIP grows to an estimated INR 4,12,432 after 5 years.

  • You save approximately INR 18,000 in income tax per year under Section 80C.
  • Your gains are within the INR 1.25 lakh LTCG exemption, so no capital gains tax is estimated at redemption.
  • Net returns after LTCG: INR 1,12,432, a 37.5% gain on your total invested capital over 5 years.
  • ELSS has the shortest lock-in (3 years) among Section 80C options and historically offers equity-level growth, though returns are market-linked and not guaranteed.

Next stepCompare a few ELSS funds on their 3- and 5-year annualised returns via SEBI-registered platforms, then invest via a direct plan to keep expense ratios low.

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