PPF Calculator

Estimate the maturity amount of your Public Provident Fund (PPF) investments.

Investment Details

1,00,000
7.1 %
15 Years

Maturity Amount

0

Total Investment

0

Total Interest Earned

0

Year-wise Growth

Year Opening Balance Deposited Amount Interest Earned Closing Balance

PPF Calculator - Public Provident Fund Calculator Online

Free PPF calculator online. Calculate Public Provident Fund maturity amount, yearly interest, and 15-year returns. Tax-free investment under Section 80C.

🏦 PPF Calculator - Calculate Public Provident Fund Maturity Amount

Calculate your PPF returns accurately. Know final maturity value after 15 years, total interest earned, and build tax-free retirement corpus!

Current Rate

7.1% (FY 2024-25)

Lock-in Period

15 years (extendable)

Tax Benefit

EEE Status u/s 80C

Min/Max Investment

₹500 - ₹1.5L per year

How to Use PPF Calculator

Calculate your Public Provident Fund maturity in 4 simple steps.

1
Enter Annual Investment

Input yearly PPF contribution amount (minimum ₹500, maximum ₹1.5 lakhs).

2
Set Investment Period

Choose duration (default 15 years). Can extend indefinitely in blocks of 5 years.

3
Adjust Interest Rate

Current rate is 7.1%. Calculator allows testing different rate scenarios.

4
Get Maturity Value

See total corpus, invested amount, interest earned, and year-by-year breakdown.

Key PPF Features:
  • Sovereign Guarantee: Backed by Government of India
  • Tax Benefits: Invest up to ₹1.5L u/s 80C, tax-free interest, tax-free maturity
  • Compounding: Interest compounded annually, credited on March 31
  • Flexible Contributions: Minimum 1 deposit/year, maximum 12 deposits
  • Partial Withdrawal: Allowed from 7th financial year onwards
  • Loan Facility: Avail loan between 3rd-6th year (up to 25% of balance)
  • Extension: Extend indefinitely after 15 years with or without contributions
  • NRI Status: Existing accounts can continue till maturity if NRI status acquired

PPF Calculator Use Cases

Perfect for conservative investors seeking tax-free, guaranteed returns with sovereign backing.

Salaried Employees

Maximize 80C benefit with safe investment

  • Scenario: Want to exhaust ₹1.5L 80C limit safely
  • Strategy: Invest ₹12,500/month or ₹1.5L lump sum before March 31
  • Benefit: Save ₹46,800 tax @ 30% slab + earn tax-free interest
  • 15-Year Corpus: ₹3.75L invested → ₹38.3 lakhs maturity @ 7.1%
  • Ideal For: Risk-averse investors prioritizing capital protection
Parents for Children's Future

Build education/marriage corpus tax-free

  • Scenario: Newborn child, planning higher education fund
  • Strategy: Open PPF account in child's name (guardian operated)
  • Investment: ₹5,000/month = ₹60,000/year
  • Maturity (age 15): ₹15.3 lakhs tax-free for college expenses
  • Bonus: Teaches child financial discipline as they grow
Self-Employed Professionals

Create retirement safety net outside market risk

  • Scenario: Business income fluctuates, no EPF/pension
  • Solution: PPF provides stable, predictable retirement base
  • Flexibility: Contribute when cash flow good, minimum in tight years
  • Tax Planning: Reduce taxable income in high-profit years
  • Peace of Mind: Guaranteed corpus regardless of business ups/downs
Pre-Retirees (Age 50+)

Park funds safely with decent returns

  • Scenario: Retiring in 5-10 years, reducing equity exposure
  • Strategy: Shift maturing investments to PPF for stability
  • Benefit: Sovereign guarantee + better rates than bank FDs
  • Liquidity: Partial withdrawals allowed after 7 years
  • Estate Planning: Nominee receives tax-free amount on demise
Power of Compounding in PPF
Annual Investment Total Invested (15 yrs) Interest Earned Maturity Amount
₹50,000 ₹7.5 lakhs ₹3.82 lakhs ₹11.32 lakhs
₹1,00,000 ₹15 lakhs ₹7.64 lakhs ₹22.64 lakhs
₹1,50,000 (Max) ₹22.5 lakhs ₹11.46 lakhs ₹33.96 lakhs

Note: Calculations at 7.1% annual compounding. Actual rates may vary as declared by government quarterly.

Frequently Asked Questions

Current PPF Interest Rate (FY 2024-25): 7.1% per annum

This rate has been unchanged since Q2 2020 and is reviewed quarterly by the government.

Historical Context:
  • 2016-2020: Rates ranged from 7.9% to 8.6%
  • 2020-Present: Stable at 7.1% (lowest in decade)
  • Still attractive: Higher than most bank FDs, completely tax-free
Effective Return: At 7.1% tax-free, PPF equals ~9.5% taxable return for 30% tax bracket investors! Better than equity mutual funds on post-tax basis.

Yes, but with restrictions to encourage long-term savings:

⚠️ Loan Facility (Year 3-6)
  • When: Between 3rd and 6th financial year
  • Amount: Up to 25% of balance at end of 2nd preceding year
  • Interest: 1% + PPF rate (currently 8.1%)
  • Repayment: 36 monthly installments
✓ Partial Withdrawal (Year 7+)
  • When: From 7th financial year onwards
  • Amount: Up to 50% of balance at end of 4th or 1st preceding year (whichever lower)
  • Frequency: Once per financial year
  • No repayment: Permanent withdrawal
⚠️ Impact: Premature withdrawals significantly reduce final maturity corpus due to broken compounding. Use only for genuine emergencies!

You have THREE options at maturity:

Option 1: Full Withdrawal
  • ✓ Withdraw entire corpus tax-free
  • ✓ Account closes permanently
  • ✗ Loses continued tax-free growth
  • Best for: Immediate funding needs (education, marriage)
Option 2: Extend Without Contribution
  • ✓ Balance continues earning 7.1% tax-free
  • ✓ No fresh deposits required
  • ✓ One withdrawal per year allowed
  • Best for: Passive income without adding more money
Option 3: Extend With Contribution
  • ✓ Continue investing up to ₹1.5L/year
  • ✓ Fresh 5-year lock-in for new deposits
  • ✓ Maximum wealth creation
  • Best for: Building larger retirement corpus

Recommendation: If not needed immediately, extend PPF indefinitely. Tax-free compounding is too valuable to lose!

PPF rules for NRIs are specific:

✓ Existing Accounts (Became NRI Later)

Can continue till maturity!

  • Account opened while resident Indian
  • Can maintain till full 15-year period
  • Must contribute annually to keep active
  • Cannot extend beyond 15 years as NRI
  • Interest earned remains tax-free
✗ Fresh Accounts (Already NRI)

NOT eligible to open new PPF!

  • NRI status at time of opening = Not allowed
  • Hindu Undivided Family (HUF) also not eligible
  • Only resident Indian citizens can open
  • Minor children (resident) can have accounts via guardians
Important: If you become NRI during PPF tenure, inform bank/post office. Account continues but won't qualify for extension beyond 15 years.

Both serve different purposes—comparison depends on risk appetite:

Parameter PPF ELSS Mutual Funds
Returns 7.1% (fixed, govt-decided) 12-15% (market-linked, not guaranteed)
Risk Zero risk (sovereign guarantee) Moderate-High (equity market volatility)
Lock-in 15 years 3 years (shortest among tax-saving)
Tax Benefit EEE (fully exempt) EEE (fully exempt)
Ideal For Conservative investors, retirement planning Aggressive investors, long-term wealth
Smart Strategy:
  • Base Layer (Safety): PPF for guaranteed, tax-free returns (40-50% of 80C)
  • Growth Layer: ELSS for wealth creation (50-60% of 80C)
  • Balance: Combines stability + growth potential optimally

Benefits of Using Our PPF Calculator

Investment Planning Advantages
  • Clarity on Maturity: Know exact corpus after 15 years
  • Goal Setting: Adjust annual investment to achieve target amount
  • Tax Planning: Optimize 80C benefit with right PPF allocation
  • Retirement Readiness: Build substantial tax-free retirement base
  • Children's Education: Plan future funding needs accurately
  • Motivation: See power of compounding visually, stay disciplined
Tool Features
  • Accurate Calculations: Uses actual PPF formula with annual compounding
  • Flexible Inputs: Test different investment amounts, periods, interest rates
  • Detailed Breakup: Shows invested amount vs interest earned separately
  • Year-by-Year Table: Complete accumulation schedule for 15+ years
  • Comparison Mode: Compare multiple investment scenarios side-by-side
  • 100% Free: Unlimited calculations, no registration required

Start Your PPF Journey Today!

Calculate your tax-free corpus in 2 minutes—secure your future!