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ELSS Calculator

↻ Updated FY 2026-27

ELSS funds combine equity growth with a Section 80C tax deduction and a 3-year lock-in. Estimate your maturity value via SIP or lumpsum, plus the tax you could save under 80C.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Monthly investment
Expected annual return
Holding period
ELSS has a 3-year lock-in per instalment
Maturity value
₹5,43,846
after 3 years
Total invested
₹4,50,000
₹12,500/mo
Estimated gains
₹93,846
21% on invested
Invested vs gains
Invested₹4,50,000
Estimated gains₹93,846
Section 80C tax benefit
Investment this year₹1,50,000
Eligible under 80C₹1,50,000
80C annual limit₹1,50,000
Tax saved at 30% slab₹45,000
ASSUMPTIONS — ELSS investments qualify for a deduction under Section 80C up to ₹1,50,000 per year (old tax regime only); each instalment is locked in for 3 years. Tax saved shown at the 30% slab — your benefit depends on your slab and regime. Mutual fund returns are market-linked and not guaranteed.

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Read next
PPF vs ELSS vs FD — where should your money go?

All three save tax under 80C, but they suit completely different goals, timelines and risk appetites.

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Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.