PPF Calculator
Public Provident Fund (PPF) is a government-backed, tax-saving investment scheme with EEE (Exempt-Exempt-Exempt) tax status.
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.
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 | ||||
Frequently Asked Questions
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).
About the PPF Calculator
Public Provident Fund (PPF) is a government-backed, tax-saving investment scheme with EEE (Exempt-Exempt-Exempt) tax status.
Formula
PPF Returns by Investment
| Category | Value |
|---|---|
| Annual Investment | 15 Years @7.1% |
| ₹50,000 | ₹13.6L |
| ₹1,00,000 | ₹27.2L |
| ₹1,50,000 | ₹40.8L |