PPF Calculator – Fast & Accurate
The Public Provident Fund (PPF) is one of the most popular long-term saving and tax-saving instruments in India, backed by the government. Our PPF Calculator helps you estimate the maturity value of your 15-year investment. Simply enter your yearly deposit amount, and the tool will calculate your total investment, the compound interest earned, and the final maturity amount. It also provides a year-by-year breakdown of your PPF account balance, making long-term financial planning effortless.
15-Year Maturity Projection
Calculates the exact maturity amount at the end of the mandatory 15-year lock-in period.
Yearly Balance Breakdown
View a detailed table showing opening balance, deposit, interest, and closing balance for each year.
Tax-Free Interest Tracking
Visualize the significant tax-free interest accumulated over the long term.
Extension Planning
Useful for planning PPF extensions in blocks of 5 years after maturity.
Frequently Asked Questions
What is the lock-in period for PPF?
A PPF account has a mandatory lock-in period of 15 years, after which it can be extended in blocks of 5 years.
How is PPF interest calculated?
Interest is calculated monthly on the lowest balance between the 5th and the end of the month, but it is compounded annually.
Is PPF interest completely tax-free?
Yes, PPF falls under the EEE (Exempt-Exempt-Exempt) category. The deposits, interest earned, and maturity amount are entirely tax-free in India.
What is the maximum amount I can invest in PPF?
You can invest a maximum of ₹1.5 Lakhs per financial year in a PPF account.
