54EC vs Equity Calculator
Compare post-tax ending amounts: 54 EC bonds vs equity investment
Post-Tax Ending Amount
Summary
| Investment Amount | 50,00,000 |
| Pre-tax Interest Rate | 5.25% |
| Investor Tax Rate | 33% |
| Post-tax Interest Rate | 3.52% |
| Investment Period | 5 years |
| Ending Amount 54 EC (Post Tax) | 59,43,454 |
| Effective Post-tax IRR on 54 EC | 3.5% |
| Equity Return | 12% |
| Ending Amount Equity (Pre-tax) | 88,11,708 |
| Ending Amount Equity (Post-tax) | 75,53,845 |
| Additional Returns Made in Equity | 16,10,391 |
About this calculator
54EC Bonds vs Equity Calculator • Real Estate
54EC bonds can offer capital gains tax relief in specific situations, while equity can offer higher growth potential — but outcomes depend on returns and tax assumptions.
This calculator compares post-tax ending values so you can quantify the trade-off.
How to use
- Enter investment amount, 54EC rate, investor tax rate, equity return, and horizon.
- Review post-tax ending values side-by-side.
- Use "Additional" value to quantify the incremental benefit (or cost) of choosing equity vs 54EC.
Key assumptions
- Assumes constant return rates and simplified tax application for comparability.
- Not a substitute for tax advice; eligibility and limits for 54EC may apply.
