PPF Calculator
Project the maturity value of your Public Provident Fund account.
- Total deposited
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- Interest earned
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What is PPF?
The Public Provident Fund (PPF) is a government-backed, long-term savings scheme with a 15-year lock-in and tax-free interest. Deposits, interest and maturity are all exempt from tax (the EEE status), which makes PPF one of the most popular safe investments in India.
How this PPF calculator works
Assuming one deposit at the start of each year, the calculator adds your yearly contribution to the running balance and compounds it annually at the PPF interest rate. It projects the maturity amount, the total you deposited and the tax-free interest earned over the term.
How to use the PPF Calculator
- Enter your yearly deposit. Type how much you will contribute each year, up to the ₹1.5 lakh limit.
- Set the interest rate. Use the current PPF rate; 7.1% is the default.
- Choose the term. The standard PPF term is 15 years, which you can extend.
- Read your maturity. See the maturity value, total deposited and interest earned instantly.
Frequently asked questions
What is the PPF deposit limit?
You can invest up to ₹1.5 lakh per financial year in a PPF account.
Is PPF interest really tax-free?
Yes. PPF enjoys EEE status — contributions, annual interest and the maturity amount are all tax-exempt.
Can I extend PPF beyond 15 years?
Yes, in blocks of five years, with or without further contributions; enter a longer term to model that.
Does the rate change?
The government revises the PPF rate each quarter, so update the field with the latest rate for an accurate projection.