PPF Calculator
Calculate your Public Provident Fund (PPF) maturity amount and returns. PPF is a long-term investment scheme with tax benefits.
PPF Details
Results
PPF Growth
Returns vs Invested
Year-wise Breakdown
| Year | Opening Balance | Annual Deposit | Interest | Closing Balance |
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What is a PPF Calculator?
A PPF (Public Provident Fund) calculator is a financial tool that helps you estimate the maturity amount and returns on your PPF investments. PPF is a long-term savings scheme backed by the Government of India, offering tax benefits and guaranteed returns. The calculator shows year-wise growth, total interest earned, and helps you plan your investments to achieve financial goals.
Our PPF calculator provides detailed breakdowns including opening balance, annual deposits, interest earned each year, and closing balance. It helps you understand how your PPF account grows over the 15-year lock-in period and plan your investments accordingly.
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Post Office, SBI, ICICI & Other Bank PPF Calculators
Whether you hold your PPF account with the Post Office, SBI, ICICI Bank, HDFC, Bank of Baroda (BOB), or Canara Bank, the calculations are exactly the same. The Government of India dictates the uniform rules, 15-year lock-in, and interest rates centrally. You can confidently use this calculator to project the maturity amount and interest earned for a PPF account at any authorized bank or post office in India.
PPF Calculator Monthly & Yearly Returns
If you are making monthly investments, remember that PPF interest is calculated on the lowest balance between the 5th and the end of each month. Therefore, to maximize your returns, it is always recommended to deposit your monthly contribution before the 5th of the month. Use our calculator to see the year-wise compounded growth of your deposits.
Calculate with Existing Balance
Already have a PPF account? You can still use this tool as a PPF calculator with an existing balance. Simply add your current accumulated balance to your expected future annual investments, and decrease the "Investment Period" to match the remaining years until maturity.
PPF Calculator India
Our PPF calculator is designed specifically for Indian investors, using the current PPF interest rate (typically 7-7.5% per annum, subject to government review). It helps you calculate returns on your Public Provident Fund account, which is one of the most popular long-term savings instruments in India due to its tax benefits and safety.
PPF Interest Rate 2025-26
The PPF interest rate is set by the Government of India and reviewed quarterly. For FY 2025-26, the PPF interest rate is 7.1% per annum (confirmed for Q2 Jul-Sep 2026). This rate is:
- Compounded annually
- Guaranteed by the government
- Tax-free on maturity
- Generally higher than fixed deposits
PPF Maturity Calculator
Our calculator shows the maturity amount after the 15-year lock-in period. You can extend the PPF account in blocks of 5 years after maturity. The calculator helps you see how much wealth you can accumulate through disciplined annual investments in PPF, making it ideal for retirement planning, children's education, or other long-term financial goals.
PPF Tax Benefits
PPF offers triple tax benefits under the Income Tax Act:
- Investment (Section 80C): Up to ₹1.5 lakh deduction from taxable income
- Interest: Interest earned is completely tax-free
- Maturity: Entire maturity amount including interest is tax-free
This makes PPF one of the most tax-efficient investment options in India, especially for individuals in higher tax brackets.
PPF vs Fixed Deposit
PPF Advantages:
- Tax-free interest and maturity
- Tax deduction under Section 80C
- Long-term wealth creation (15+ years)
- Government-backed, very safe
Fixed Deposit Advantages:
- Flexible tenure (1-10 years)
- Can withdraw before maturity (with penalty)
- Higher interest rates for longer tenures
- Interest taxable as per income slab
How Much to Invest in PPF?
The ideal PPF investment amount depends on:
- Tax Planning: Invest up to ₹1.5 lakh to maximize Section 80C benefits
- Financial Goals: Calculate required amount using our calculator
- Affordability: Invest what you can consistently for 15 years
- Portfolio Balance: PPF should be part of a diversified portfolio
Many investors invest ₹12,500 per month (₹1.5 lakh annually) to maximize tax benefits. Use our calculator to see how different investment amounts grow over time.
PPF Withdrawal Rules
PPF has specific withdrawal rules:
- Partial Withdrawal: Allowed from 7th year onwards (up to 50% of balance)
- Loan Against PPF: Available from 3rd to 6th year (up to 25% of balance)
- Maturity: Full withdrawal after 15 years
- Extension: Can extend in blocks of 5 years after maturity
- Premature Closure: Only in specific medical or financial emergencies
About PPF (Public Provident Fund)
PPF is a long-term investment scheme backed by the Government of India. It offers tax benefits under Section 80C and provides a safe investment option with guaranteed returns.
Key Features
- Minimum investment: ₹500 per year
- Maximum investment: ₹1,50,000 per year
- Lock-in period: 15 years (can be extended)
- Tax benefits: Deduction under Section 80C
- Interest is compounded annually
- Interest earned is tax-free