Project the value of an ELSS investment with the 3-year lock-in.
Please do not make financial decisions based on these results.
What is the ELSS Calculator – Equity-Linked Savings Scheme?
Project the value of an ELSS investment with the 3-year lock-in. To use the ELSS Calculator – Equity-Linked Savings Scheme, enter monthly investment, expected return, years, tax slab; it returns future value, total invested, tax saved under 80c (old regime), and shows them instantly as you type.
Where the ELSS Calculator – Equity-Linked Savings Scheme fits
Project the value of an ELSS investment with the 3-year lock-in. The main figure it returns is the Future value, worked out from the values you enter.
It belongs with the other india & pakistan finance tools. If you are comparing options or checking a result from another angle, try the Post Office Monthly Income Scheme Calculator, SIP Calculator — Systematic Investment Plan or the Car Loan EMI Calculator.
How to use the ELSS Calculator – Equity-Linked Savings Scheme
- Enter your numbers. The inputs are Monthly investment (₹), Expected return (%), Years, Tax slab (%). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Future value, and the cards below show Total invested, Tax saved under 80C (old regime). Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the ELSS Calculator – Equity-Linked Savings Scheme using the default values shown in the calculator above:
Inputs
| Monthly investment (₹) | 12,500 |
|---|---|
| Expected return (%) | 12 |
| Years | 5 |
| Tax slab (%) | 30 |
Results
| Future value | ₹10,31,080 |
|---|---|
| Total invested | ₹7,50,000 |
| Tax saved under 80C (old regime) | ₹2,34,000 |
With these inputs the calculator returns Future value: ₹10,31,080. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Monthly investment (₹) from 12,500 to 15,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Future value | ₹10,31,080 | ₹12,37,295 | +20% |
| Total invested | ₹7,50,000 | ₹9,00,000 | +20% |
| Tax saved under 80C (old regime) | ₹2,34,000 | ₹2,34,000 | 0% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the ELSS Calculator – Equity-Linked Savings Scheme reports Future value, total invested and tax saved under 80c (old regime). Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
What is the lock-in for ELSS?
Three years, the shortest among Section 80C options.
Which tax year do the India and Pakistan tools use?
India uses the FY 2026-27 slabs. Pakistan uses the FY 2026-27 slabs enacted by the Finance Act 2026, with FY 2025-26 available for comparison. Confirm the final rules with FBR or the Income Tax Department.
Why are results in rupees?
Indian tools show Indian rupees and Pakistani tools show Pakistani rupees, so the numbers match your statements.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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