PPF Calculator
Calculate the maturity amount of your Public Provident Fund investment. PPF offers EEE tax benefits — exemption on investment, interest earned, and maturity amount.
PPF Investment Details
🛡️ Government Backed
🚫 EEE Tax-Free
🔒 15-Year Lock-in
Annual Investment₹1,50,000
PPF Interest Rate7.1%
Investment Period15 yr
Invested vs Interest Earned
Maturity
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Invested
Interest
Total Invested
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Interest Earned
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Maturity Amount (Tax-Free)
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Wealth Multiple
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Tax Saved (30% slab)
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🔍 PPF Key Facts
Current Rate (FY 2025-26)
7.1% per annum
Minimum Deposit
₹500 per year
Maximum Deposit
₹1,50,000 per year
Lock-in Period
15 years (extendable)
Tax Benefit
Sec 80C — up to ₹1.5L
Interest Compounding
Annual (calculated monthly)
📅 Year-wise PPF Balance Growth
| Year | Annual Deposit | Total Invested | Interest Earned | Balance |
|---|
PPF Calculation
Year-end balance = (Previous balance + Annual deposit) × (1 + r)
Where r = PPF interest rate / 100 (compounded annually)
PPF interest is calculated on the minimum balance between 5th and last day of each month. Depositing before the 5th of April each year maximizes your interest earnings.
💡 Example Scenarios
Maximum
Full 80C Benefit
Invest the maximum ₹1.5 lakh per year for 15 years. Get full Section 80C deduction + tax-free maturity.
₹1.5L/year7.1% rate15 years
Conservative
Moderate PPF Plan
₹50,000 per year for a salaried professional. Government-backed safety with decent inflation-beating returns.
₹50,000/year7.1% rate15 years
Long Term
Extended PPF (30 Years)
PPF can be extended in 5-year blocks after 15 years. See the massive compounding benefit over 30 years.
₹1.5L/year7.1% rate30 years
📖 How to Use
1
Set Annual Investment Amount
Enter how much you plan to invest in PPF each year. Maximum is ₹1,50,000 per year (eligible for full Section 80C deduction). Minimum is ₹500 to keep the account active.
2
Adjust Interest Rate
The current PPF rate is 7.1% (as of FY 2025-26). The government reviews it quarterly. Use 7–7.5% for conservative planning as the rate may change over your 15-year tenure.
3
Check Tax Savings
The calculator shows estimated tax saved at the 30% tax slab. Your actual savings depend on your tax bracket. PPF has EEE status — investment, interest, and maturity are all tax-free.