PPF Calculator

Calculate PPF maturity amount, interest earned and year-by-year growth for annual deposits.

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By MerQPrime Editorial TeamUpdated 2026-06-20Reviewed 2026-06-20Editorial policy

Overview

About the PPF Calculator

Model your Public Provident Fund growth over the 15-year lock-in. Enter annual deposits (up to ₹1.5 lakh), the current PPF rate and see year-by-year balance, total interest and final maturity — with tax-free returns in mind.

Benefits

How it works

1Enter your planned annual PPF deposit (max ₹1.5 lakh).
2Set the annual PPF interest rate (government notified).
3Choose projection period (default 15 years minimum lock-in).
4Review year-by-year balance and total interest earned.
5Copy results for tax planning or retirement discussions.

Applications

Use cases

Plan Section 80C investments alongside ELSS and life insurance.
Compare PPF vs ELSS for long-term goals.
Estimate retirement corpus from disciplined PPF saving.
Understand 15-year lock-in growth before opening an account.

Support

Frequently asked questions

What is the PPF interest rate?

The Government of India revises PPF rates quarterly. Check the latest notified rate on the Finance Ministry or India Post website — this calculator lets you enter any rate.

Is PPF interest tax-free?

Yes. PPF falls under EEE — deposits (up to ₹1.5L under 80C), interest and maturity are exempt from income tax for resident Indians.

Can I withdraw from PPF before 15 years?

Partial withdrawals are allowed from year 7 under rules, and loans are available from year 3. Full account closure before 15 years is only in specific cases.