How this calculation works
Project either one ELSS investment or fixed monthly instalments, then show a separate illustration of the first year’s unused Section 80C deduction capacity under the selected regime. The projected fund value and potential deduction answer different questions: a deduction is not an investment return or a rupee-for-rupee tax saving.
Worked example
This example uses illustrative inputs. Your current result is shown above.
Choose a ₹1,50,000 lump sum, 10% assumed annual return, 3 years, old regime and ₹1,00,000 of other Section 80C investments. Projected value is ₹1,50,000 × 1.10³ = ₹1,99,650, including ₹49,650 growth. Only ₹50,000 of the shared limit remains, so the potential first-year deduction shown is ₹50,000, not ₹1,50,000.
Assumptions and limits
- The existing Section 80C illustration is retained; it does not calculate tax saved or determine deduction eligibility.
- Monthly investments are made at the beginning of each month and each ELSS instalment has its own three-year lock-in.
- The terminal value is a portfolio valuation, not an assertion that every instalment can be redeemed then; market risk and redemption tax are not modelled.
Questions people ask
Can I withdraw the entire balance after a three-year SIP?
Not merely because the SIP began three years ago. Each monthly allotment has its own lock-in, so later instalments have not all completed three years on that date.
Is the potential deduction my tax saving?
No. It is an amount potentially deductible from eligible income within the model’s limit. Actual tax saved depends on the complete tax calculation and your eligibility.
Does choosing new regime change fund growth?
No. It changes the deduction illustration, not the investment-growth equation. The same contribution and return assumptions produce the same portfolio projection.