Ultimate PPF Calculator

Plan your tax-free savings with India's most detailed Public Provident Fund calculator

Min ₹500 - Max ₹1.5 lakh

Your PPF Maturity Results

Total Investment

₹0

What you contributed

Total Interest

₹0

Tax-free earnings

Maturity Value

₹0

Final amount received

Tax Saved

₹0

Under Section 80C

Year-by-Year Growth

Year Deposit Interest Balance Cumulative Tax Saved

How PPF Compares to Other Investments

Investment Returns Taxation Risk Best For
PPF 7-8% (Govt-backed) Tax-free Zero risk Long-term safety
Fixed Deposit 6-7% Taxable Low risk Short-term goals
Equity Mutual Funds 10-12% Taxable after 1L High risk Wealth creation
NPS 8-10% Partially taxable Moderate risk Retirement

PPF Strategy Tips

  • Maximize tax savings: Invest ₹1.5 lakh/year to fully utilize Section 80C.
  • Extend after 15 years: Continue for 5-year blocks to earn tax-free interest.
  • Deposit before April 5: Ensure your deposit counts for the current financial year.
  • Partial withdrawals: Allowed from 7th year (up to 50% of balance).
  • Loan against PPF: Available between 3rd-6th year at lower interest.

What is a PPF Calculator?

A PPF (Public Provident Fund) Calculator is an online tool that helps you estimate the maturity amount of your PPF investments based on: Our free PPF calculator provides year-by-year growth projections, tax savings under Section 80C, and comparisons with other investments.

How Does the PPF Calculator Work?

The calculator uses the PPF compounding formula: Maturity Amount = P × [(1 + r)^n - 1] / r Where: Example: If you invest ₹1.5 lakh/year for 15 years at 7.1% interest, your maturity value will be ₹40,68,209 (₹22.5L invested + ₹18.18L interest).

How to Use This Free PPF Calculator?

  1. Enter Yearly Investment (Between ₹500 to ₹1.5 lakh)
  2. Adjust Interest Rate (Default: 7.1% as per 2024 rates)
  3. Select Tenure (15, 20, or 25 years)
  4. Click "Calculate" to see results
The tool will show:

Why Use Our PPF Calculator?

💡 Accurate Projections

Uses RBI-approved compounding formula for precise results.

💡 Tax Savings Breakdown

Shows how much you save under Section 80C (up to ₹46,800/year at 30% tax).

💡 Comparison with FD/MF/NPS

Helps decide if PPF is better than other options.

💡 Extension Scenarios

Calculates maturity for 15, 20, or 25 years.

Key Features of PPF Accounts

Feature Details
Minimum Investment ₹500/year
Maximum Investment ₹1.5 lakh/year
Lock-in Period 15 years (extendable in 5-year blocks)
Tax Benefits E-E-E (Exempt-Exempt-Exempt) under Section 80C
Partial Withdrawals Allowed from 7th year
 

PPF vs Other Investment Options

Best For: Risk-averse investors seeking tax-free, guaranteed returns for long-term goals like retirement or child's education.

Frequently Asked Questions (FAQs)

1. Is PPF interest taxable?

No. PPF enjoys E-E-E status – contributions, interest, and maturity are all tax-free.

2. Can I extend PPF beyond 15 years?

Yes. You can extend in blocks of 5 years with or without contributions.

3. What if I miss a year's payment?

You must pay ₹500/year as penalty for inactive years to keep the account active.

4. When is the best time to invest in PPF?

Before April 5 to claim tax benefits for that financial year.

Ready to Calculate Your PPF Maturity?

Use our free PPF calculator above to plan your tax-free savings today!