Plan your Public Provident Fund investments. Calculate maturity amount, tax-free interest, and watch your wealth grow securely.
Min ₹500 | Max ₹1,50,000 per financial year
Current PPF rate: 7.1% (Q4 2024-25). Adjustable.
17/4/2026
Total Principal
₹7,50,000
Tax-Free Interest
₹6,06,070
Maturity Value
₹13,56,070
The Public Provident Fund (PPF) is one of India’s most popular long-term, tax-saving investment schemes. Backed by the Government of India, it offers guaranteed returns, tax benefits under Section 80C, and a maturity period of 15 years (extendable in 5-year blocks). The PPF Calculator helps you estimate the maturity amount, total interest earned, and plan your contributions effectively.
Our interactive PPF Calculator above provides real-time estimates with adjustable annual contributions, interest rates (current 7.1% p.a.), and flexible tenure up to 30 years. You can visualise year-by-year growth, interest accumulation, and download a detailed PDF report. This comprehensive guide covers every aspect of PPF – from eligibility to withdrawal rules, tax implications, and investment strategies.
PPF interest is calculated monthly on the lowest balance between the 5th and the end of the month, but credited annually. The formula used by our calculator (and most financial tools) is:M = P * [ (1 + r)^n - 1 ] / r * (1 + r)
Where:
PPF interest rates are declared quarterly by the Ministry of Finance. Over the last decade, rates have ranged from 7% to 8%. The current rate (Oct-Dec 2024) is 7.1%. While lower than some market-linked instruments, the tax-free nature makes PPF highly attractive for conservative investors.
- Retirement planning: A 30-year-old investing ₹1.5 lakh annually in PPF for 30 years can accumulate over ₹1.5 crore (tax-free).
- Child education: A 15-year PPF can fund higher education expenses.
- Extension strategy: After 15 years, extend in 5-year blocks to continue tax-free compounding.
- Compare with other instruments: Use the slider to see how a higher rate (if government revises) impacts maturity.
- Partial withdrawal: Allowed from the 7th financial year, up to 50% of the balance at the end of the 4th preceding year.
- Premature closure: Allowed after 5 years only for specific reasons (medical treatment, higher education, etc.) with a penalty of 1% lower interest.
- Maturity withdrawal: Entire corpus can be withdrawn tax-free at the end of 15 years.
Between the 3rd and 6th financial year, you can avail a loan of up to 25% of the PPF balance from the preceding year. Interest on the loan is 1% higher than the PPF rate (typically 8.1% currently). This is a useful feature for short-term liquidity needs without breaking the PPF account.
Yes, it uses the standard PPF compounding formula. Actual account interest may vary slightly due to monthly minimum balance rules, but the difference is minimal.
No, the maximum annual contribution is ₹1.5 lakh. Any excess does not earn interest and is not eligible for tax deduction.
₹500 per financial year. The account becomes inactive if no deposit is made, but can be revived with a penalty.
Yes, in blocks of 5 years. During extension, you can continue contributing or keep the account active without fresh deposits.
Click “Download PDF Report”. The report includes all charts, yearly breakdown, and investment summary.
The PPF Calculator is an essential tool for anyone looking to build a safe, tax-efficient, long-term corpus. Whether you are a young professional starting your savings journey or a retiree seeking guaranteed income, PPF offers unmatched safety and tax benefits. Use our interactive calculator above, experiment with different contribution levels and tenures, and download your personalised report.
Start using the PPF Calculator above now – and take the first step towards a secure, tax-free future!