PPF Calculator

PPF (Public Provident Fund) is a long-term savings scheme backed by the Government of India, offering guaranteed tax-free returns. PPF accounts can be opened at any post office or designated bank branch. The scheme has a 15-year lock-in period, after which it can be extended in 5-year blocks indefinitely. The interest rate is set by the government quarterly — the current rate is 7.1% per annum (Q1 FY 2025-26), compounded annually and credited at the end of each financial year. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: deposits are deductible under Section 80C, interest earned is tax-free, and the maturity amount is completely tax-free. Our browser-based PPF calculator computes your maturity amount and year-by-year balance table instantly.

1. Enter Your Deposit: Choose annual or monthly deposit mode and enter your deposit amount. The PPF annual deposit limit is ₹1,50,000 (₹12,500/month). The minimum annual deposit is ₹500 to keep the account active.
2. Set Rate and Duration: Enter the PPF interest rate (default 7.1% — the current government rate) and choose your investment duration. The minimum is 15 years; you can model extensions up to 50 years.
3. Instant Browser-Based Calculation: Click Calculate PPF. The PPF calculator computes your maturity amount, total interest earned, and a complete year-by-year balance table entirely in your browser — your financial data is never sent to any server.

• Deposit Limits: Minimum ₹500 per year; maximum ₹1,50,000 per year. Deposits can be made in a lump sum or up to 12 instalments per year.
• Interest Calculation: Interest is calculated on the minimum balance between the 5th and last day of each month. To maximize interest, deposit before the 5th of April each year (start of financial year).
• Partial Withdrawal: Partial withdrawals are allowed from the 7th financial year onwards, up to 50% of the balance at the end of the 4th year or the immediately preceding year, whichever is lower.
• Loan Facility: Loans against PPF balance are available from the 3rd to the 6th financial year, up to 25% of the balance at the end of the 2nd preceding year.

PPF offers guaranteed, risk-free returnsbacked by the Government of India — unlike ELSS mutual funds (market-linked) or NPS (partially market-linked). The EEE tax status makes PPF one of the most tax-efficient savings instruments available. However, the 15-year lock-in period means PPF is best suited for long-term goals like retirement and children's education. For shorter-term goals or higher return potential, consider ELSS funds (3-year lock-in) or NPS. Use our PPF calculator to model different scenarios and compare with other investment options.