PPF Calculator - Public Provident Fund Returns
Calculate your PPF maturity amount and interest earned over 15 years. Plan your tax-saving investment with our free PPF calculator.
Calculate PPF
Annual deposit (max ₹1.5 Lakh)
Current PPF rate: 7.1%
Minimum 15 years (extendable in 5-year blocks)
Maturity Amount
₹40,68,209
Total Deposited
₹22,50,000
Interest Earned
₹18,18,209
How to Use This PPF Calculator
Using our PPF Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
A = Σ [D × (1 + r)^(n-i+1)] for i = 1 to nPPF interest is compounded annually. Each year's deposit earns interest for the remaining years. Current PPF rate is 7.1% p.a. with annual compounding.
Calculation Examples
Max PPF Investment
₹1.5 Lakh/year at 7.1% for 15 years
Maturity: ₹40.68 Lakhs | Interest: ₹18.18 Lakhs
Benefits
- Tax-free returns (EEE)
- Government guaranteed
- Loan facility available
- Partial withdrawal after 7 years
- Safe long-term investment
Use Cases
- Tax saving under 80C
- Retirement planning
- Long-term wealth creation
- Risk-free investment
- Children's future
About PPF Calculator
Our PPF Calculator helps you estimate the maturity amount of your Public Provident Fund investment. PPF is a government-backed savings scheme offering tax-free returns with a 15-year lock-in period. Calculate how your annual deposits grow with compound interest.
Frequently Asked Questions
The PPF interest rate for FY 2025-26 is 7.1% per annum, compounded annually and credited at the end of each financial year. The rate is reviewed quarterly by the Indian government. It has remained at 7.1% since April 2020. On a ₹1.5 lakh/year deposit, you earn approximately ₹10,650 in interest in year one. Use the free PPF Calculator on AbacusHand to calculate your exact result instantly.
PPF has a mandatory 15-year lock-in period. Partial withdrawal is allowed from year 7 onwards — up to 50% of the balance at the end of the 4th year preceding the withdrawal. Premature closure is allowed after 5 years only on specific grounds (serious illness, higher education). On a ₹5 lakh corpus in year 7, you can withdraw up to ₹2.5 lakh. Use the free PPF Calculator on AbacusHand to calculate your exact result instantly.
Yes, PPF has EEE (Exempt-Exempt-Exempt) tax status — contributions are deductible under Section 80C (up to ₹1.5 lakh/year), interest earned is fully tax-free, and maturity amount is completely tax-exempt. This makes PPF one of the most tax-efficient instruments in India. For someone in the 30% tax bracket, a ₹10,650 interest credit saves an additional ₹3,195 compared to a taxable FD. Use the free PPF Calculator on AbacusHand to calculate your exact result instantly.
At the current rate of 7.1%, investing ₹1.5 lakh per year (maximum limit) for 15 years gives a maturity corpus of approximately ₹40.68 lakh. Total investment is ₹22.5 lakh and total interest earned is approximately ₹18.18 lakh — completely tax-free. You can extend in 5-year blocks beyond 15 years with or without contributions. Use the free PPF Calculator on AbacusHand to calculate your exact result instantly.
PPF suits conservative investors seeking guaranteed, tax-free returns — 7.1% with zero risk. ELSS (equity-linked tax saving) suits growth-oriented investors — historically 12–15% CAGR over 10+ years with only a 3-year lock-in vs PPF's 15 years. On ₹1.5 lakh invested: PPF grows to ~₹2.93 lakh in 10 years; ELSS at 12% grows to ~₹4.65 lakh. Higher reward, higher risk with ELSS. Use the free PPF Calculator on AbacusHand to calculate your exact result instantly.