PPF Calculator
Investment Details
Investment vs Interest Growth
Stacked bar chart showing cumulative investment (blue) and compounded interest (green) over the tenure.
What Does This Tool Do?
This PPF Calculator helps you estimate the maturity value of Public Provident Fund investments with year-by-year breakdown. It is designed for salaried professionals, investors, and anyone planning long-term tax-saving investments who need quick and reliable results.
When Should You Use It?
You should use this tool when:
- •You want to invest in PPF and see how much you will get after 15 years
- •You need to plan tax savings under Section 80C
- •You want to compare PPF returns with FD and ELSS
- •You want to understand PPF extension options after the lock-in period
How to Use This Tool
Enter or upload the required information
Click on the calculate / convert button
Get instant results
Common Use Cases
- •Long-term wealth creation with guaranteed returns
- •Tax planning under Section 80C (up to Rs 1.5 lakh/year)
- •Retirement planning with safe, government-backed investment
- •Comparing PPF with other tax-saving instruments
Frequently Asked Questions
What is PPF?
PPF (Public Provident Fund) is a government-backed long-term savings scheme with a 15-year lock-in. It offers tax-free returns and qualifies for Section 80C deduction up to Rs 1.5 lakh per year.
What is the current PPF interest rate?
The PPF interest rate is reviewed quarterly by the government. For Q1 FY 2025-26, it is 7.1% per annum, compounded annually.
Can I withdraw PPF before 15 years?
Partial withdrawals are allowed from the 7th year onwards. Full premature closure is permitted after 5 years only under specific conditions like life-threatening illness or higher education.
Is PPF interest taxable?
No. PPF enjoys EEE (Exempt-Exempt-Exempt) status. The investment qualifies for 80C deduction, the interest earned is tax-free, and the maturity amount is also tax-free.
What happens after 15 years?
After 15 years, you can either withdraw the full amount, extend the account for 5 more years with deposits, or extend without deposits. You can keep extending in 5-year blocks indefinitely.
Related Tools
View all Finance toolsHow to Use This Tool
Enter or upload the required information
Click on the calculate / convert button
Get instant results
Frequently Asked Questions
Is this PPF Calculator free to use?
Yes, it is completely free and requires no signup or registration.
Is my data saved?
No. All processing happens locally in your browser for 100% privacy.
Can I use this PPF Calculator on mobile?
Yes, it works perfectly on all devices including mobile phones and tablets.