ELSS Calculator

An ELSS (Equity Linked Savings Scheme) calculator is an online financial tool that estimates the potential future value of ELSS mutual fund investments — both lump sum and SIP — based on the invested amount, expected annual return, and investment tenure. ELSS funds are equity mutual funds with a mandatory three-year lock-in period that qualify for Section 80C tax deduction up to ₹1.5 lakh per financial year. The ELSS calculator models both the return projection (using the investor's assumed annual return, typically 10% to 15% based on historical ELSS category performance) and the tax saving (based on the investor's tax bracket — a ₹1.5 lakh investment saves ₹46,800 in tax for investors in the 30% bracket plus cess). Unlike regular equity mutual funds, ELSS returns and redemptions after three years qualify as Long-Term Capital Gains (LTCG) — taxed at 12.5% above ₹1.25 lakh — making the post-tax return calculation important for accurate comparison with other 80C instruments. Ventura's ELSS calculator helps investors compare ELSS with other Section 80C options (PPF, NSC, tax-saving FDs, SCSS) on both return potential and post-tax outcomes — demonstrating why ELSS's combination of tax saving, equity growth potential, and the shortest lock-in period among 80C instruments makes it the preferred tax-saving investment for long-term equity investors in India.