Calculate your PPF maturity amount, year-by-year interest breakdown, total tax savings, and wealth gain over 15 years (or extended periods). Based on the current 7.1% interest rate. No login, instant results.
⚡ Calculations based on current 7.1% p.a. rate. All math runs in your browser.
Select Your Mode — Use "Standard" for a fresh 15-year plan, "Extension" to calculate 5-year block growth, or "Compare" to see PPF vs. Bank FD returns.
Enter Deposit Details — Input your annual deposit (max ₹1.5L) and confirm the interest rate (currently 7.1% p.a. for FY 2025-26).
Review Tax Savings — See exactly how much tax you save under Section 80C based on your selected tax slab (5%, 20%, or 30%).
The Public Provident Fund (PPF) is a sovereign-backed scheme that offers Exempt-Exempt-Exempt (EEE) status: No tax on investment, no tax on interest, and no tax on maturity.
15-year initial tenure to encourage long-term wealth building. Extendable indefinitely in blocks of 5 years.
Fully backed by the Government of India, making it one of the safest investment avenues available.
Interest in PPF is calculated on the minimum balance between the 5th and the last day of the month. To get the best returns, ensure your contribution is deposited before the 5th of every month.
To earn interest for the full financial year on your entire ₹1.5L investment, deposit the full amount as a lumpsum between April 1st and April 5th. This can lead to significantly higher maturity wealth over 15 years.
Partial withdrawals are allowed from the 7th financial year. You can also avail of a loan against your PPF balance between the 3rd and 6th financial years.
Yes. The Ministry of Finance reviews PPF rates every quarter. It has historically stayed around 7.1% to 8%.
Yes. Like all tools on WorldOfTools, calculations happen entirely on your device. We do not store or see your financial data.
Calculations based on Ministry of Finance prevailing rates. EEE status verified under IT Act. Last Audit: May 2026.