PPF Calculator
Project your Public Provident Fund maturity
See your tax-free PPF corpus after 15 years — or longer with 5-year extensions. Sovereign-backed compounding.
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What is a PPF Calculator?
Public Provident Fund (PPF) is India's flagship small-savings scheme — a 15-year government-backed instrument with compound interest and full EEE (Exempt-Exempt-Exempt) tax status. You invest up to ₹1.5 lakh a year, the deposit qualifies for Section 80C deduction, the interest is tax-free, and so is the maturity value.
Interest is credited annually and compounds. The current rate (revised quarterly) hovers around 7.1%, historically 7.0–8.5%. Because the rate is government-set, the scheme is effectively risk-free — a rarity in double-digit-inflation years.
After 15 years, you can withdraw the full corpus or extend in blocks of 5 years, with or without fresh deposits. Use this calculator to see what different annual deposits and tenures compound to — and why starting PPF young is one of the best financial moves in India.
Why use this PPF Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
Sovereign guarantee
Backed by the Government of India. Principal and interest fully safe.
Compound interest
Interest is credited yearly and compounds — small deposits snowball over 15+ years.
Tax-free at every stage
Deposit qualifies for 80C; interest is tax-free; maturity is tax-free. EEE.
Extendable
After 15 years, extend in 5-year blocks — with or without fresh contributions.
Using the PPF Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Enter yearly deposit
Between ₹500 (minimum) and ₹1,50,000 (maximum). Deposit before April 5 every year to earn full-year interest.
Set interest rate
Current rate is around 7.1%. Use this or a longer-term average of 7.5% for planning.
Pick tenure
Default 15 years (lock-in). Extend to 20, 25, or 30 to see the compounding advantage of tenure blocks.
Review maturity
See invested amount, tax-free interest, and total maturity. Compare with SIP at same horizon for context.
Tips to get the most out of it
Deposit by April 5 each year to capture interest for the full year. Depositing in March loses you ~12 months of compounding.
Max out the ₹1.5 lakh limit if you can. PPF's tax-free, risk-free return beats most debt funds post-tax.
Open PPF for minor children early — 15 years compounds into a meaningful education corpus.
Extend in 5-year blocks after 15 years. The account keeps earning interest even without fresh deposits.
One partial withdrawal per year is allowed from year 7 onwards. Use it for emergencies only — once withdrawn, that compounding is gone.
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
₹1.5L/year, 15 years, 7.1%
Deposits of ₹22.5 lakh grow to ~₹40.7 lakh. Tax-free interest ≈ ₹18.2 lakh. Classic 80C max-out.
₹1.5L/year, 25 years, 7.1%
Deposits of ₹37.5 lakh grow to ~₹1.03 crore — all tax-free. Extensions make PPF a serious retirement tool.
₹50,000/year, 15 years, 7.1%
₹7.5 lakh invested → ~₹13.6 lakh tax-free corpus. Even small disciplined deposits deliver.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
As of FY 2026-27, the PPF rate is 7.1% per annum, compounded annually. The rate is reviewed every quarter by the Ministry of Finance and has ranged from 7.0% to 8.5% over the last decade.
Minimum ₹500 per year to keep the account active. Maximum ₹1,50,000 per year — this is also the Section 80C deduction cap. Deposits can be made in up to 12 instalments per financial year.
No. PPF enjoys EEE status — the deposit qualifies for 80C deduction, the annual interest is fully tax-free, and the maturity amount is tax-free. This is one of the few remaining tax-free compounding instruments in India.
Partial withdrawals are allowed from the 7th financial year onwards — up to 50% of the balance at the end of the 4th preceding year. Full premature closure is allowed from the 5th year only for specified reasons (serious illness, higher education).
You can (a) close the account and take the corpus tax-free, (b) extend for 5 years with fresh contributions, or (c) extend for 5 years without contributions — the account keeps earning interest. Extensions are in 5-year blocks.
No. One PPF account per person. You can hold another as guardian of a minor child, but the combined deposit across all accounts cannot exceed ₹1.5 lakh per year.
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