PPF Calculator

Plan your long-term savings with our Public Provident Fund calculator. Estimate tax-free returns with ease.

Accurate maturity projections
Tax-free returns
Visual growth charts
PPF savings
₹
Enter annual investment (₹500 - ₹1,50,000).
Enter annual investment (₹500 - ₹1,50,000).
%
Enter interest rate between 1-15%.
Default is 7.1% (current PPF rate). Adjust for projections.

Estimated Returns

Invested Amount
₹0
Est. Interest
₹0
Maturity Value
₹0
Annualized Return
0%
How PPF Works
Open PPF Account

Account can be opened by any individual at a post office or bank.

Annual Contributions

Invest ₹500 to ₹1.5 lakh annually for 15 years.

Tax-Free Maturity

Maturity after 15 years is tax-free under Section 80C.

Year Invested (₹) Interest (₹) Maturity Value (₹) CAGR (%)

What is Public Provident Fund?

The Public Provident Fund (PPF) is a government-backed savings scheme designed to encourage long-term savings with attractive, tax-free returns. It is a popular tax-saving investment under Section 80C of the Income Tax Act.

Any individual can open a PPF account with a minimum annual contribution of ₹500 and a maximum of ₹1.5 lakh. The scheme has a tenure of 15 years, with options for extension in blocks of 5 years.

Did You Know?

Investing ₹1.5 lakh annually at 7.1% for 15 years can grow to over ₹40 lakhs by maturity, completely tax-free!

Benefits of PPF

Both interest earned and maturity proceeds are exempt from tax under Section 80C, making PPF highly tax-efficient.

Offers a fixed interest rate (7.1% as of 2025), higher than many other fixed-income schemes, with annual compounding.

Interest compounds annually, allowing your savings to grow significantly over the 15-year tenure.

Contribute as little as ₹500 or up to ₹1.5 lakh annually, making it accessible for various budgets.

Frequently Asked Questions

The PPF calculator uses the compound interest formula to estimate the maturity value based on annual investments and the interest rate. It accounts for contributions over 15 years, with tax-free returns.

Any Indian resident can open a PPF account, including for minors under parental guardianship. Only one account per person is allowed.

Yes, PPF returns are guaranteed as it’s a government-backed scheme with a fixed interest rate (currently 7.1%), revised quarterly. The calculator assumes a constant rate for projections.

Contributions up to ₹1.5 lakh per year qualify for tax deductions under Section 80C. Interest earned and maturity proceeds are completely tax-free.

Partial withdrawals are allowed from the 7th year onwards, limited to 50% of the balance at the end of the 4th preceding year or the immediately preceding year, whichever is lower. Full withdrawal is permitted at maturity (15 years).