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Free PPF Calculator 2026 - Calculate Public Provident Fund Returns

Calculate your Public Provident Fund (PPF) maturity amount, total interest earned, and investment growth over 15+ years. Plan your tax-free retirement corpus easily.

PPF Calculator

Calculate your Public Provident Fund maturity amount and interest earned over time.

₹
Min: ₹500Max: ₹1,50,000
Yr

PPF matures in 15 years, can be extended in blocks of 5 years.

%

Current fixed rate set by the Government of India.

Total Investment

₹22,50,000

Total Interest

₹18,18,209

Maturity Amount

₹40,68,209

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What is a Public Provident Fund (PPF)?

The Public Provident Fund (PPF) is a popular long-term savings scheme offered by the Government of India. It provides a highly attractive combination of safety, reasonable returns, and significant tax benefits, making it an essential component of retirement planning and wealth creation.

Key Rules and Features of PPF

  • Tenure: A PPF account has a mandatory lock-in period of 15 years. Upon maturity, you can choose to extend it in blocks of 5 years indefinitely.
  • Investment Limits: You must invest a minimum of ₹500 per financial year to keep the account active. The maximum permissible investment is ₹1,50,000 per financial year.
  • Interest Rate: The interest rate is declared by the Ministry of Finance every quarter. Currently, it stands at 7.1% p.a. (subject to change). Interest is calculated on the minimum balance between the 5th and the end of each month, but credited annually on March 31st.

Tax Benefits (EEE Status)

PPF falls under the Exempt-Exempt-Exempt (EEE) category, meaning it provides tax benefits at all three stages:

  1. Investment: Contributions up to ₹1.5 Lakhs in a financial year are tax-deductible under Section 80C of the Income Tax Act.
  2. Accumulation: The interest earned every year is completely tax-free.
  3. Maturity: The final maturity amount (principal + interest) withdrawn after 15 years is absolutely tax-free.

Frequently Asked Questions (FAQs)

When is the best time to invest in PPF?

To maximize your interest, it is highly recommended to deposit your contribution between the 1st and the 5th of the month. If you are doing a lump sum deposit, try to do it before April 5th of the financial year to earn interest on the full amount for the entire year.

Can I withdraw money before 15 years?

Partial withdrawals are permitted from the 7th financial year onwards. You can also avail of a loan against your PPF balance between the 3rd and 6th financial years.