PPF Calculator
Public Provident Fund returns
PPF Investment Details
Government of India, EEE Tax Benefit
✓ Up to ₹1.5 lakh tax deduction under Section 80C
Rate set quarterly by Govt of India (compounded annually)
15-year lock-in, extendable in 5-year blocks
PPF Maturity Amount
About PPF Calculator
The Public Provident Fund (PPF) is one of India's most popular long-term, tax-free investment schemes. Backed by the Government of India, PPF offers guaranteed returns with EEE (Exempt-Exempt-Exempt) tax status - deposits, interest, and maturity are all tax-free.
Our PPF calculator helps you project your maturity amount, total interest earned, and tax savings. Perfect for retirement planning, children's education, and building a risk-free corpus.
How to Use This PPF Calculator
Step 1: Enter your annual investment (₹500 to ₹1,50,000).
Step 2: Enter the current PPF interest rate (7.1% as of 2025-26).
Step 3: Enter the tenure (minimum 15 years).
Step 4: Click "Calculate PPF Returns" to see your maturity amount.
Step 5: View total investment, interest earned, and tax savings.
Step 6: Use the Reset button to clear all inputs and try different scenarios.
Why Use a PPF Calculator?
✓ Retirement Planning
Project your retirement corpus with tax-free PPF returns. Plan your golden years with confidence.
✓ Tax Saving
Calculate your Section 80C tax savings. Understand the true post-tax return of PPF investment.
✓ Goal Planning
Plan for children's education, wedding, or home purchase with a safe, guaranteed investment.
✓ Compare Options
Compare PPF with FD, mutual funds, and other investment options. Choose the best for your goals.
PPF Formula & Calculation
Maturity = P × ((1 + r)ⁿ - 1) / r × (1 + r)
Where: P = Annual Investment, r = Annual Interest Rate, n = Number of Years
Interest is calculated monthly (on lowest balance 5th-30th) but credited annually on March 31st.
PPF Investment Calculator - Year by Year
| Year | Annual Investment | Cumulative Investment | Interest @7.1% | Year End Balance |
|---|---|---|---|---|
| Enter values above to see year-by-year breakdown | ||||
PPF Key Benefits
Tax-Free Returns (EEE)
Deposits, interest, and maturity - all completely tax-free under Section 80C.
Government Backed
Sovereign guarantee - your principal is 100% safe with no market risk.
Compounding Benefits
15+ years of tax-free compounding generates substantial wealth.
Easy Access
Open at any post office or authorized bank (SBI, HDFC, ICICI).
PPF vs FD vs Mutual Funds
| Feature | PPF | FD | Mutual Funds |
|---|---|---|---|
| Returns | 7-8% | 6-7% | 8-12% |
| Tax Status | EEE (Tax-Free) | Taxable | LTCG/STCG |
| Lock-in | 15 years | 1-5 years | None |
| Risk | Very Low | Very Low | Moderate-High |
Frequently Asked Questions
Built and maintained by Sanjay Singh · Founder, Numrexo
Builds and maintains every calculator on Numrexo. Fifteen years working with numbers in real estate and digital marketing.
Last updated: · Calculations run in your browser. Nothing you enter is sent to us or stored.