ELSS Tax Saving Calculator
Calculate tax savings under Section 80C and compare ELSS returns with other investment options
₹10,000 - ₹1,50,000 (80C limit)
0% - 20% per year
3 - 30 years (3 year lock-in)
Select your income tax slab
ELSS Advantages
- • Highest potential returns (equity linked)
- • Shortest lock-in: 3 years only
- • Extra ₹1,68,035 vs PPF
- • Professional fund management
- • Inflation-beating returns
Other 80C Options
- • PPF: Safer, lower returns, 15-year lock-in
- • Tax Saver FD: Safest, lowest returns, 5-year lock-in
- • NSC: Fixed income, 5-year lock-in
- • LIC/Insurance: Poor returns, high costs
Tax Saved (80C Benefit)
₹45,000
Immediate benefit this year
Effective Investment
₹1,05,000
After tax savings
Maturity Value
₹4,65,877
After 10 years
Net Returns (Post-Tax)
₹3,29,290
16.07% effective CAGR
Value Breakdown
You save ₹45000 in taxes immediately - that's free money to invest!
Your effective return is 16.07% considering tax savings
ELSS gives ₹1,68,035 more than PPF over 10 years
• Invest early in financial year, don't wait till March
• Continue SIP beyond 3-year lock-in for better returns
• Choose funds with 5+ year track record
• Reinvest after 3 years for compounding benefits