PPF (Public Provident Fund) Calculator
Last Updated: 8 April 2026
PPF Calculator (2025)
Most accurate maturity estimator for Public Provident Fund
Section 80C Limit: ₹1.5 Lakh per year
Current: 7.1%
What is Why use a PPF Calculator??
A PPF Calculator helps you estimate the wealth accumulated through the Public Provident Fund scheme. Since PPF offers annual compounding, the growth in the later years is significant due to the 'interest on interest' effect. This tool helps you visualize how even small yearly deposits can grow into a massive tax-free corpus.
📊 Practical Example
"If you invest ₹1.5 Lakh every year for 15 years at 7.1% interest, you will invest a total of ₹22.5 Lakh. However, your maturity amount will be approximately ₹40.68 Lakh, giving you more than ₹18 Lakh in pure tax-free interest."
⚠️ Common Mistake
Depositing after the 5th of a month. In PPF, interest is calculated on the minimum balance between the 5th and the last day of the month. To maximize your returns, always deposit before the 5th.
How it Works & Benefits
Tax-Free Maturity
Calculate your corpus with the benefit of the EEE tax status in India.
Flexible Duration
Simulate extension of your PPF beyond the initial 15-year period.
Compound Interest
See the power of annual compounding over long horizons.
Frequently Asked Questions
Common queries answered for you
The Public Provident Fund (PPF) has a lock-in period of 15 years. After this, you can either withdraw the full amount or extend the account in blocks of 5 years indefinitely.
No. PPF falls under the EEE (Exempt-Exempt-Exempt) category. The amount invested, interest earned, and maturity amount are all fully tax-free under current Indian laws.
Yes, you can take a loan against your PPF balance between the 3rd and 6th financial year of opening the account.