How this calculation works
Project an illustrative ELSS SIP or lump-sum investment while keeping the statutory lock-in visible. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.
Worked example
A ₹10,000 monthly ELSS SIP is projected over three years with the separate-instalment lock-in stated.
Assumptions and limits
- ELSS returns are market-linked and not guaranteed.
- Every SIP instalment has its own three-year lock-in; the displayed corpus is not necessarily fully withdrawable on one date.
- Capital-gains tax, actual tax saved, fees and fund expenses are excluded.
- The Section 80C amount is an eligibility illustration, not a tax-saving estimate; regime eligibility and other deductions must be verified for the applicable tax year.
Questions people ask
How does the ELSS Calculator work?
It applies this displayed method: SIP instalments or the lump sum grow at the entered effective annual return. The old-regime Section 80C illustration limits the first-year ELSS deduction to the unused portion of ₹1.5 lakh; each investment has its own three-year lock-in. Values stay in your browser and are not submitted to a server.
What should I check before using the ELSS result?
ELSS returns are market-linked and not guaranteed. Every SIP instalment has its own three-year lock-in; the displayed corpus is not necessarily fully withdrawable on one date. Capital-gains tax, actual tax saved, fees and fund expenses are excluded. The Section 80C amount is an eligibility illustration, not a tax-saving estimate; regime eligibility and other deductions must be verified for the applicable tax year. This is an educational projection. Returns, rates, inflation, tax treatment and product rules can change.
Does this ELSS calculator save my information?
No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.