Tax-Free Savings
PPF Calculator
Government-backed, tax-free savings with a 15-year lock-in. Calculate your PPF maturity value, interest earned, and year-by-year growth.
Max ₹1,50,000 per year
Current rate: 7.1% p.a.
Min 15 years (extendable in 5-yr blocks)
Total Invested
Interest Earned (Tax-Free)
Maturity Value
EEE Tax Benefit
Investment, interest & maturity — all tax-free
Contribution Split
Year-by-Year Breakdown
| Year | Yearly Deposit | Interest Earned | Closing Balance |
|---|
Interest is calculated on the minimum balance between the 5th and last day of each month. Projection is simplified; actual values may vary.
What is a PPF Calculator?
A PPF (Public Provident Fund) calculator estimates the maturity value of your PPF account. By entering your yearly contribution, the current PPF interest rate (7.1% p.a.), and tenure, the calculator shows the total interest earned and the final corpus — all completely tax-free under the EEE (Exempt-Exempt-Exempt) framework.
PPF interest is compounded annually, with the rate notified quarterly by the government. The 15-year mandatory lock-in (extendable in 5-year blocks) makes PPF a disciplined, long-term wealth-creation instrument ideal for conservative investors and those in higher tax brackets seeking safe, guaranteed returns.
How to Use This PPF Calculator
- 1
Enter your yearly contribution
PPF allows ₹500 minimum and ₹1,50,000 maximum per year. Maximise at ₹1.5 lakh to get the full Section 80C deduction benefit.
- 2
Set the interest rate
The default 7.1% is the current government-notified rate. Test with 7–8% range to account for potential rate changes over the long horizon.
- 3
Choose your tenure
PPF has a 15-year minimum lock-in, extendable in 5-year blocks. The longer you extend, the more powerful the compounding on your growing balance.
- 4
Review year-by-year growth
The breakdown table shows your closing balance each year — useful for planning loan eligibility (from Year 3) and partial withdrawal eligibility (from Year 7).
Why Choose PPF for Long-Term Savings?
EEE Tax Benefit
Contributions qualify for 80C deduction, interest is tax-free, and the entire maturity amount is exempt — one of India's most tax-efficient savings instruments.
Government Guaranteed
PPF is backed by the Government of India — zero credit risk. Your principal and interest are fully safe regardless of market conditions or bank failures.
Loan & Withdrawal Facility
From Year 3, take a loan against your PPF balance. Partial withdrawals are allowed from Year 7 — useful for emergencies without breaking the account.
Attachment-Proof
PPF balances cannot be attached by courts or creditors — a safe haven especially for self-employed individuals and business owners.
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