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ELSS Calculator – Equity-Linked Savings Scheme

Each ELSS purchase has a three-year lock-in. Lump sum is at time zero, recurring purchases at each month end; unlocked value includes only purchases held at least 36 months at valuation. Constant user-assumed return scenario, not actual NAV or a forecast. Excludes tax and section 80C deductions. Actual redemption dates depend on business days and scheme terms.

Each ELSS purchase has a three-year lock-in. Lump sum is at time zero, recurring purchases at each month end; unlocked value includes only purchases held at least 36 months at valuation. Constant user-assumed return scenario, not actual NAV or a forecast. Excludes tax and section 80C deductions. Actual redemption dates depend on business days and scheme terms.

Your workbenchInputs are not stored

Result

Enter your values and run the tool to see your result.

How to use this tool

Check the units, enter your values, and run the tool. Results follow the assumptions and method below.

Calculation method

Total investedlump+monthly*months
Hypothetical account valuelump*(1+returnRate/100)^(months/12)+(returnRate == 0 ? monthly*months : monthly*((1+returnRate/100)^(months/12)-1)/((1+returnRate/100)^(1/12)-1))
Hypothetical value of units held at least three years(months<36 ? 0 : lump*(1+returnRate/100)^(months/12))+(months<=36 ? 0 : (returnRate == 0 ? monthly*(months-36) : monthly*((1+returnRate/100)^((months-36)/12)-1)/((1+returnRate/100)^(1/12)-1)*(1+returnRate/100)^3))

References