ELSS Tax-Saving SIP Calculator (Section 80C)

Compute ELSS SIP wealth creation alongside Section 80C tax savings (up to ₹1.5L/yr deduction) and 3-year rolling lock-in schedule.

ELSS SIP Maturity Value
₹29,04,238
Cumulative Sec 80C Tax Saved: ₹4,68,000 (₹46,800/yr incl. 4% cess)
Eligible Annual 80C Claim ₹1,50,000
Total Tax Saved (10 Yrs) ₹4,68,000
Net Effective Out-of-Pocket ₹10,32,000
Market Capital Appreciation ₹14,04,238
Inputs
⚡ Scenarios:
₹ / mo
₹12,500/month equals the full ₹1,50,000/year Section 80C ceiling.
% p.a.
Expected annualized equity return.
years
Statutory ELSS lock-in is 3 years per installment.
Marginal tax bracket used to calculate annual Section 80C tax savings.
Results & Graph
ELSS SIP Maturity Value
₹29,04,238
Cumulative Sec 80C Tax Saved: ₹4,68,000 (₹46,800/yr incl. 4% cess)
Eligible Annual 80C Claim
₹1,50,000
Capped at ₹1,50,000/FY
Total Tax Saved (10 Yrs)
₹4,68,000
At 30% slab + 4% cess
Net Effective Out-of-Pocket
₹10,32,000
Invested minus tax saved
Market Capital Appreciation
₹14,04,238

ELSS Capital Efficiency Breakdown

Net Out-of-Pocket Principal vs. Sec 80C Tax Saved vs. Market Returns
Graph 1 • Measured Values • ELSS Capital Efficiency Breakdown Net Out-of-Pocket Principal vs. Sec 80C Tax Saved vs. Market Returns
Net Effective Cost (Ex-Tax Saved): 1.03M INRSec 80C Income Tax Saved: 468.0k INRELSS Market Gains: 1.40M INR Net Effective Cost (Ex-Tax Saved) 1.03M INR Sec 80C Income Tax Saved 468.0k INR ELSS Market Gains 1.40M INR
Graph 2 • Calculated Values Compared Values retain their calculator-defined labels and units.
Net Effective Cost (Ex-Tax Saved) 1.03M INR Sec 80C Income Tax Saved 468.0k INR ELSS Market Gains 1.40M INR
Graph 3 • Rolling Three-Year ELSS Unit Lock-In Each annual investment has its own three-year lock-in; dates are shown by investment year.
Year 1Unlock +3yYear 2Unlock +3yYear 3Unlock +3yYear 4Unlock +3yYear 5Unlock +3yYear 6Unlock +3yYear 7Unlock +3yYear 8Unlock +3yInvestment-year tranches unlock one by one after 36 months
Summary: Total ELSS corpus is ₹29,04,238, with ₹4,68,000 saved in Section 80C taxes.
Summary: Investing ₹12,500/month (₹1,50,000/year) in an ELSS Tax-Saver fund qualifies for ₹1,50,000/year under Section 80C (Old Regime), saving up to ₹46,800/year in income tax (₹4,68,000 over 10 years). Your net effective out-of-pocket investment is reduced to ₹10,32,000, while your portfolio compounds at 12% to ₹29,04,238.
⚠️ ELSS Lock-In Rule: In an ELSS SIP, each monthly installment is treated as a separate purchase and is locked in for 36 months (3 years) from its respective allotment date. Section 80C deduction up to ₹1,50,000/yr applies under the Old Income Tax Regime.
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Interactive chart & math engine powered by CalculatorGraph

ELSS SIP Accumulation & 36-Month Lock-In Schedule

Investment YearAnnual ELSS OutflowSec 80C Tax SavedUnits Unlock InProjected Corpus
Year 1₹1,50,000₹46,800Year 4 (36 mos rolling)₹1,60,117
Year 2₹1,50,000₹46,800Year 5 (36 mos rolling)₹3,40,540
Year 3₹1,50,000₹46,800Year 6 (36 mos rolling)₹5,43,846
Year 4₹1,50,000₹46,800Year 7 (36 mos rolling)₹7,72,935
Year 5₹1,50,000₹46,800Year 8 (36 mos rolling)₹10,31,080
Year 6₹1,50,000₹46,800Year 9 (36 mos rolling)₹13,21,963
Year 7₹1,50,000₹46,800Year 10 (36 mos rolling)₹16,49,737
Year 8₹1,50,000₹46,800Year 11 (36 mos rolling)₹20,19,082
Year 9₹1,50,000₹46,800Year 12 (36 mos rolling)₹24,35,269
Year 10₹1,50,000₹46,800Year 13 (36 mos rolling)₹29,04,238

Formula & Mathematical Methodology: Section 80C Tax Rebate & Rolling 36-Month Lock-In

Eligible80C = min(12 × P,   ₹1,50,000),   Tax Saved = Eligible80C × Slab × 1.04
Eligible_80C = min(12 × P, 1,50,000); AnnualTaxSaved = Eligible_80C × Slab × 1.04; NetCost = TotalInvested − TotalTaxSaved
  • ₹1,50,000: Maximum combined annual deduction under Section 80C (Old Tax Regime)
  • 1.04: 4% Health and Education Cess multiplier on base income tax

Rounding: Rounded to nearest rupee.

Worked Example: ₹12,500/Month ELSS SIP (₹1,50,000/Yr) for 10 Years at 12% in the 30% Tax Slab

An investor in the 30% tax bracket invests ₹12,500/month into an ELSS fund for 10 years.

  1. Annual Section 80C tax saved = ₹1,50,000 × 31.2% = ₹46,800/year (₹4,68,000 over 10 years).
  2. Net effective out-of-pocket principal = ₹15,00,000 − ₹4,68,000 = ₹10,32,000.
  3. ELSS portfolio compounds at 12% p.a. over 120 months to ₹29,04,239.
Result: Maturity value is ₹29.04 Lakhs plus ₹4.68 Lakhs saved in income tax (net cost ₹10.32L).

Frequently Asked Questions

How does the 3-year lock-in work for an ELSS SIP?

Every monthly SIP installment buys fresh mutual fund units that have their own 36-month lock-in. For example, units bought in January 2026 unlock in January 2029, while units bought in February 2026 unlock in February 2029.

Finance & Investing · India Tax-Saving Mutual Funds

ELSS Tax-Saving SIP Calculator (Section 80C): inputs, method, and how to read the result

Compute ELSS SIP wealth creation alongside Section 80C tax savings (up to ₹1.5L/yr deduction) and 3-year rolling lock-in schedule.

Choose inputs for the case you are checking

The defaults are illustrative. Replace them with values for your case and keep the units shown beside each field.

  • Monthly ELSS SIP Amount: ₹12,500/month equals the full ₹1,50,000/year Section 80C ceiling.
  • Expected Annual ELSS Return: Expected annualized equity return.
  • Investment Duration (Min 3 Years): Statutory ELSS lock-in is 3 years per installment.
  • Income Tax Slab (Old Tax Regime): Marginal tax bracket used to calculate annual Section 80C tax savings.

What the calculation includes

With the default values shown, ELSS SIP Maturity Value is ₹29,04,238. The calculation follows Section 80C Tax Rebate & Rolling 36-Month Lock-In; the formula and variable definitions above show how the inputs combine.

One-input check: With the other defaults held constant, changing Monthly ELSS SIP Amount from 12,500 ₹ / mo to 13,750 ₹ / mo changes ELSS SIP Maturity Value from ₹29,04,238 to ₹31,94,662. This is a comparison inside the calculator's stated model, not a prediction.

Where to use caution

  • Assumes taxpayer opts for the Old Tax Regime where Section 80C deductions are allowed and has no other 80C investments consuming the ₹1.5L limit.
  • Each monthly ELSS SIP installment locks in for 36 months from its allotment date; all units cannot be redeemed on the 3rd anniversary of the first installment.

Scope: India (Income Tax Act Section 80C & SEBI ELSS Rules) Check the assumptions and limitations against your situation before relying on the estimate.

More in Finance & Investing: SIP Calculator (Systematic Investment Plan), PPF Calculator (Public Provident Fund), EPF Calculator (Employees Provident Fund).