Compute ELSS SIP wealth creation alongside Section 80C tax savings (up to ₹1.5L/yr deduction) and 3-year rolling lock-in schedule.
| Investment Year | Annual ELSS Outflow | Sec 80C Tax Saved | Units Unlock In | Projected Corpus |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹46,800 | Year 4 (36 mos rolling) | ₹1,60,117 |
| Year 2 | ₹1,50,000 | ₹46,800 | Year 5 (36 mos rolling) | ₹3,40,540 |
| Year 3 | ₹1,50,000 | ₹46,800 | Year 6 (36 mos rolling) | ₹5,43,846 |
| Year 4 | ₹1,50,000 | ₹46,800 | Year 7 (36 mos rolling) | ₹7,72,935 |
| Year 5 | ₹1,50,000 | ₹46,800 | Year 8 (36 mos rolling) | ₹10,31,080 |
| Year 6 | ₹1,50,000 | ₹46,800 | Year 9 (36 mos rolling) | ₹13,21,963 |
| Year 7 | ₹1,50,000 | ₹46,800 | Year 10 (36 mos rolling) | ₹16,49,737 |
| Year 8 | ₹1,50,000 | ₹46,800 | Year 11 (36 mos rolling) | ₹20,19,082 |
| Year 9 | ₹1,50,000 | ₹46,800 | Year 12 (36 mos rolling) | ₹24,35,269 |
| Year 10 | ₹1,50,000 | ₹46,800 | Year 13 (36 mos rolling) | ₹29,04,238 |
Rounding: Rounded to nearest rupee.
An investor in the 30% tax bracket invests ₹12,500/month into an ELSS fund for 10 years.
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.
Plan your Section 80C tax-saving investments in Equity Linked Savings Schemes (ELSS), showing exact tax saved across 10%, 20%, and 30% slabs (plus 4% cess) and when each year’s SIP units become free of the 36-month lock-in. Whether you are researching elss calculator, 80c mutual fund calculator, tax saving sip calculator, elss lock in period calculator, this interactive tool helps you calculate ELSS mutual fund maturity value, annual and cumulative Section 80C income tax saved (up to ₹46,800/year), net effective investment cost, and rolling 36-month unlock timeline.
As you adjust Monthly ELSS SIP Amount, Expected Annual ELSS Return, Investment Duration (Min 3 Years), Income Tax Slab (Old Tax Regime), the calculator immediately computes ELSS Maturity Corpus (₹), Total Section 80C Tax Saved (₹), Net Effective Out-of-Pocket Cost (₹), Rolling 36-Month Unlock Table and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.
In our benchmark scenario (₹12,500/Month ELSS SIP (₹1,50,000/Yr) for 10 Years at 12% in the 30% Tax Slab), Maturity value is ₹29.04 Lakhs plus ₹4.68 Lakhs saved in income tax (net cost ₹10.32L). Keep in mind that 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. For related calculations in Finance & Investing, explore SIP Calculator (Systematic Investment Plan), PPF Calculator (Public Provident Fund), EPF Calculator (Employees Provident Fund), Post-Tax & Expense Ratio (Direct vs. Regular) SIP Calculator.
