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v2.4.0 • Updated 2026

PPF Calculator

Plan your safe, tax-free retirement corpus. The Public Provident Fund is India's most trusted EEE investment scheme.

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Configuration

₹
%
Yr
Maturity Value

₹ 2,71,213.95

Total Invested

₹ 1,50,000.00

Interest Earned

+₹ 1,21,213.95

Yearly Growth Analysis

Invested
Interest

* This chart assumes the interest rate remains constant at 7.1% throughout the tenure. In reality, the Govt reviews PPF rates every quarter.

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PPF Guide

Why choose PPF?

PPF falls under the EEE (Exempt-Exempt-Exempt) category:

  • Investment is Tax Free: You get Section 80C deduction up to ₹1.5L.
  • Interest is Tax Free: The annual interest earned is not taxed.
  • Maturity is Tax Free: The final amount you withdraw is fully tax-free.

Key Rules

  • Lock-in Period: 15 Years. Partial withdrawals allowed from 7th year.
  • Min/Max Deposit: Minimum ₹500 and Maximum ₹1.5 Lakh per financial year.
  • Interest Calculation: Interest is calculated on the lowest balance between the 5th and the last day of the month. So, always deposit before the 5th!
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When Should You Use These Calculators?

Whether you're saving, spending, or investing — here's exactly when this calculator can help you make a smarter decision.

Before Making an Investment

Estimate returns and risks before putting your money to work.

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Comparing Financial Plans

Side-by-side compare plans to pick the smartest option.

compare plans, financial comparison

Planning Long-Term Goals

Map out savings milestones to reach your future targets.

long term financial goals, goal planning

Checking Affordability

Know instantly if a purchase fits inside your budget.

affordability check, can I afford

Before Taking a Loan

Understand EMIs, interest & total cost before you borrow.

loan calculator, EMI calculator

Budgeting a Major Purchase

Break big-ticket items into a realistic payment plan.

budget calculator, major purchase planning

Evaluating Savings Returns

See how compound interest grows your savings over time.

savings calculator, compound interest

Planning for Retirement

Figure out how much you need saved before you retire.

retirement calculator, retirement planning

Deciding Between Options

Remove the guesswork when choosing between two paths.

financial decision, compare options

Before Consulting an Advisor

Walk in prepared with real numbers, save time & money.

financial advisor prep, quick estimate

Ready to crunch some numbers? It's free & takes less than a minute.

Popular calculator use cases

  • Before Making an Investment: investment calculator, investment planning
  • Comparing Financial Plans: compare plans, financial comparison
  • Planning Long-Term Goals: long term financial goals, goal planning
  • Checking Affordability: affordability check, can I afford
  • Before Taking a Loan: loan calculator, EMI calculator
  • Budgeting a Major Purchase: budget calculator, major purchase planning
  • Evaluating Savings Returns: savings calculator, compound interest
  • Planning for Retirement: retirement calculator, retirement planning
  • Deciding Between Options: financial decision, compare options
  • Before Consulting an Advisor: financial advisor prep, quick estimate