PPF Calculator

Estimate the tax-free maturity value of your Public Provident Fund account from a yearly deposit.

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How to use the PPF Calculator

Enter how much you will deposit every financial year (up to ₹1.5 lakh).
Enter the current PPF interest rate.
Choose 15 years, or longer if you plan to extend in 5-year blocks.
Read the tax-free maturity value and the year-by-year balance.

Formula used

F = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)

P = yearly deposit, i = annual rate ÷ 100, n = years. PPF interest is calculated monthly on the lowest balance between the 5th and month-end, and credited annually — depositing before 5 April earns interest for the full year.

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PPF Calculator — FAQs

What is the PPF interest rate?▾

The government sets it every quarter. It was 7.1% a year through FY 2025-26. Always check the current notified rate before investing.

Is PPF tax-free?▾

PPF has EEE status: deposits qualify for section 80C (old regime), and both the interest and the maturity amount are tax-free.

Can I withdraw from PPF before 15 years?▾

Partial withdrawals are allowed from the 7th financial year, and loans between the 3rd and 6th years. Premature closure is allowed after 5 years for specific reasons such as medical treatment or higher education.

What happens after 15 years?▾

You can close the account, keep it without new deposits (it keeps earning interest), or extend it with deposits in blocks of 5 years.

How to use the PPF Calculator

Formula used

PPF Calculator — FAQs

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