ELSS vs PPF Calculator
The two 80C giants head-to-head — expected corpus, lock-in, risk and post-tax outcomes over your horizon.
Formula
ELSS: 3-year lock (shortest in 80C), equity risk and equity returns. PPF: 15-year lock, sovereign guarantee, EEE. The rational answer is usually both — ELSS for long-horizon growth, PPF as the debt anchor — sized by when you'll need the money and how you behave in crashes.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need elss vs ppf calculator results fast? Analysts, founders, traders and finance professionals use the ELSS vs PPF Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About ELSS vs PPF Calculator
The two 80C giants head-to-head — expected corpus, lock-in, risk and post-tax outcomes over your horizon. ELSS: 3-year lock (shortest in 80C), equity risk and equity returns. PPF: 15-year lock, sovereign guarantee, EEE. The rational answer is usually both — ELSS for long-horizon growth, PPF as the debt anchor — sized by when you'll need the money and how you behave in crashes. The governing relationship is ELSS: equity return − 12.5% LTCG above ₹1.25L; PPF: EEE tax-free. The ELSS vs PPF Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use ELSS vs PPF Calculator
- 1Enter Annual 80C investment (₹), ELSS expected return (%), PPF rate (%), Horizon into the ELSS vs PPF Calculator.
- 2The result is computed automatically using ELSS: equity return − 12.5% LTCG above ₹1.25L; PPF: EEE tax-free — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use ELSS vs PPF Calculator?
- ✓Computes elss vs ppf calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the ELSS vs PPF Calculator?+
ELSS vs PPF Calculator uses ELSS: equity return − 12.5% LTCG above ₹1.25L; PPF: EEE tax-free. ELSS: 3-year lock (shortest in 80C), equity risk and equity returns. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the ELSS vs PPF Calculator need?+
Enter Annual 80C investment (₹), ELSS expected return (%), PPF rate (%), Horizon and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the ELSS vs PPF Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the ELSS vs PPF Calculator?+
PPF: 15-year lock, sovereign guarantee, EEE. The rational answer is usually both — ELSS for long-horizon growth, PPF as the debt anchor — sized by when you'll need the money and how you behave in crashes.
What is the ELSS vs PPF Calculator based on?+
The method follows authoritative sources: 80C instrument comparison; §112A LTCG. The formula and references are shown on the page so you can verify and cite the result.
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