PPF Calculator
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Quick Summary
- Calculate your PPF maturity value year by year at the current 7.1% rate. See total interest earned and your tax-free corpus at maturity.
- For example, ₹50,000/year for 15 years at 7.1% works out to Maturity ≈ ₹13.6 lakh (invested ₹7.5 lakh).
- Built for risk-averse savers using PPF for tax-free, government-backed long-term savings
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PPF Details
Current PPF Rate: 7.1% p.a.
Fully tax-free (EEE — exempt at contribution, growth & maturity)
PPF Maturity Value
Total Invested
₹0
Interest Earned
₹0
Wealth Ratio
0x
How the PPF Calculator Works
Your annual PPF contribution earns interest at the current government-notified rate (7.1%), compounded annually, for the full 15-year lock-in. The calculator projects your year-by-year balance so you can see exactly how the maturity value builds up.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹50,000/year for 15 years at 7.1% | Maturity ≈ ₹13.6 lakh (invested ₹7.5 lakh) |
| ₹1,00,000/year for 15 years at 7.1% | Maturity ≈ ₹27.1 lakh (invested ₹15.0 lakh) |
| ₹1,50,000/year (max) for 15 years at 7.1% | Maturity ≈ ₹40.7 lakh (invested ₹22.5 lakh) |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
The current Public Provident Fund (PPF) interest rate is 7.1% per annum, compounded annually and reviewed quarterly by the Government of India.
PPF has a lock-in period of 15 years. After maturity, it can be extended in blocks of 5 years, either with continued contributions or without further deposits, while still earning interest on the accumulated balance.
Yes — PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: contributions qualify for 80C deduction, annual interest is tax-free, and the maturity amount is also completely tax-free.
You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in a PPF account, which also aligns with the 80C deduction limit.
Common Mistakes to Avoid
- Missing the minimum ₹500/year deposit, which can deactivate the account.
- Not depositing before the 5th of the month — interest is calculated on the lowest balance between the 5th and month-end.
- Forgetting that PPF has a strict 15-year lock-in before full withdrawal is allowed.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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