PPF Calculator
Plan your Public Provident Fund (PPF). Enter your yearly investment, the interest rate and the number of years to see your maturity amount, total invested and interest earned — all tax-free.
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Result
PPF interest and maturity are fully tax-free (EEE). The rate is revised quarterly by the government; the maximum deposit is ₹1.5 lakh per financial year.
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Save ⟶How to use the PPF Calculator
- 1Enter the amount you invest each year (up to ₹1.5 lakh qualifies for 80C).
- 2Enter the PPF interest rate (currently around 7.1%).
- 3Set the number of years (PPF has a 15-year lock-in, extendable in 5-year blocks).
- 4Read your tax-free maturity amount and total interest.
Why PPF is a popular long-term investment
The Public Provident Fund is a government-backed savings scheme with a 15-year lock-in. It offers EEE tax treatment — your contributions qualify for Section 80C deduction, and both the interest and the maturity amount are completely tax-free. That tax-free compounding is what makes PPF so powerful over long periods.
The interest is calculated annually on the lowest balance between the 5th and last day of each month, so investing early in the month (and early in the year) maximises returns. The rate is set by the government each quarter.
Frequently Asked Questions
▸What is the PPF maturity period?
15 years, after which you can withdraw fully or extend in blocks of 5 years. Partial withdrawals are allowed from the 7th year.
▸Is PPF tax-free?
Yes — PPF enjoys EEE status: contributions are deductible under 80C, and the interest and maturity amount are both tax-free.