PPF Calculator India 2026 — Maturity Amount & Yearly Returns at Current 7.1% Rate
Instantly calculate your Public Provident Fund maturity value, total interest earned, and year-by-year growth. Tax-free investment planning made simple.
Year-wise PPF Growth Breakdown
Amounts in ₹ — compounded annually| Year | FY | Deposit | Interest | Closing Balance | Growth |
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What is the PPF Calculator?
The PPF (Public Provident Fund) Calculator helps you estimate the maturity amount and total interest earned on your PPF investments. Simply enter your yearly contribution, investment duration (15–25 years), and the current interest rate to instantly see your total invested amount, estimated interest earned, and the final tax-free maturity value — along with a complete year-by-year growth table.
How to Use the PPF Calculator — Step-by-Step
Set your Yearly Investment — between ₹500 and ₹1,50,000. The government maximum is ₹1.5 lakh per year.
Choose Investment Duration — 15 years (standard PPF term) or 20/25 years (with 5-year extension blocks).
Verify the Interest Rate — currently 7.1% p.a. (FY 2024-25). You can adjust this if the rate changes.
Instantly see your Maturity Amount, Total Interest , and the complete year-by-year breakdown table.
Key Features — Why Use Our PPF Calculator?
- ✓ Year-by-year growth table: See exactly how your balance, interest earned, and cumulative growth changes every single year.
- ✓ Extension support: Calculate returns for 15, 20, or 25 years to plan with PPF extension blocks.
- ✓ Adjustable interest rate: Change the rate to model different scenarios if the government revises the PPF rate.
- ✓ Tax saving indicator: See how much tax you save under Section 80C based on your investment amount.
- ✓ 100% free & private: No signup required, no data stored. Works entirely in your browser.
📊 PPF vs FD vs SIP — Which is Better?
Verdict: For a 30% tax bracket investor, PPF's 7.1% tax-free return is equivalent to a taxable return of ~10.1%. This makes it the best risk-free investment available in India for long-term goals.
📊 Use Cases — Who Should Use PPF?
👨👩👧 Salaried Employees
Maximize Section 80C deduction with ₹1.5L/year PPF deposit. Build a tax-free retirement corpus over 15–25 years.
💼 Self-Employed / Freelancers
No EPF? PPF is the ideal government-backed alternative for self-employed individuals to save tax and build wealth.
👶 Children's Future Planning
Open a PPF account for a minor child. ₹1.5L/year over 15 years at 7.1% builds over ₹40L — enough for higher education.
Frequently Asked Questions
What is PPF (Public Provident Fund)?
PPF is a long-term government-backed savings scheme in India with a 15-year lock-in. It offers guaranteed tax-free returns under the EEE (Exempt-Exempt-Exempt) tax model. The current rate is 7.1% p.a.
What is the current PPF interest rate in 2025?
The PPF interest rate is 7.1% per annum for FY 2024-25, compounded annually. The rate is set by the Government of India and reviewed every quarter.
What is the minimum and maximum investment?
Minimum: ₹500/year. Maximum: ₹1,50,000/year. You can invest as a lump sum or in up to 12 installments per financial year.
Is PPF maturity amount tax-free?
Yes — PPF enjoys EEE tax status. The investment (Section 80C deduction), interest earned, and the maturity amount are all completely tax-free.
Can I extend PPF after 15 years?
Yes. After maturity, you can extend in 5-year blocks — with or without fresh contributions. Our calculator supports 15, 20, and 25-year projections.
When should I invest to maximise PPF interest?
Invest before the 5th of April each year. PPF interest is calculated on the minimum balance between the 5th and last day of every month — investing early in April gives you interest for the entire year.
Can I withdraw from PPF before 15 years?
Partial withdrawal is allowed from the 7th financial year (up to 50% of balance at end of 4th year). Premature closure is allowed after 5 years only for specific medical or educational reasons.
Is this PPF calculator free to use?
Yes, 100% free. No signup, no registration, no data stored. All calculations happen instantly in your browser.
Does it work on mobile?
Yes, fully responsive — works perfectly on smartphones, tablets, and desktops.
📚 Educational Content — All About PPF
The Public Provident Fund (PPF) is one of India's most trusted long-term savings instruments, backed by the Government of India with sovereign guarantee. Introduced in 1968, it was designed to mobilise small savings while offering tax benefits to investors.
The PPF formula used in this calculator is: F = P × [((1+i)^n – 1) / i] , where F = Maturity amount, P = Annual investment, i = Annual interest rate / 100, and n = Number of years. Interest is compounded annually on 31st March each year.
A key advantage of PPF over most other investments is its EEE (Exempt-Exempt-Exempt) tax status : the investment qualifies for ₹1.5L Section 80C deduction, interest is completely tax-free, and the maturity amount is also 100% tax-free. For someone in the 30% tax bracket, the effective post-tax return of 7.1% is equivalent to earning ~10.1% from a taxable investment like an FD.
PPF accounts can be opened at any nationalised bank (SBI, PNB, Bank of Baroda), post offices, and select private banks (ICICI, Axis, HDFC). The account can also be managed online via net banking in most banks today, making it extremely convenient to invest before the 5th of April each year for maximum benefit.