Tax Savings Comparison

PPF vs ELSS Calculator

Compare the safe, tax-free returns of PPF against the market-linked, taxable returns of ELSS mutual funds under Section 80C.

Section 80C Investment Details

Max ₹1.5 Lakhs under Sec 80C.

PPF has a 15-year lock-in. ELSS is 3 years.

Assumptions:

  • PPF Interest Rate: 7.1% p.a. (Tax-Free)
  • ELSS Expected Return: 12% p.a. (Subject to Market Risk)
  • ELSS Taxation: 12.5% Long Term Capital Gains (LTCG) tax on profits exceeding ₹1.25 Lakhs.
Final Comparison

Total Invested

₹22,50,000

PPF Final Value (Tax-Free)

₹40,68,209

ELSS Post-Tax Value

₹57,76,993

Paid ₹4,85,999 in taxes.

ELSS generates +₹17,08,784 more wealth than PPF over 15 years.