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PPF Calculator

Calculate Public Provident Fund maturity, interest and yearly balance

₹500₹1.5L (max)
Current rate: 7.1% p.a. (Oct–Dec 2026 quarter)
min 15 yrs
Invested Amount
₹0
Interest Earned
₹0
Maturity Value
₹0
Total Invested₹0
Total Interest₹0
Maturity Value₹0
Wealth Gain Ratio0x
Tax Benefit (Section 80C)Exempt
Interest & MaturityTax-free (EEE)
Not professional advice. This calculator is for informational and educational purposes only, based on publicly available rules and rates at the time of writing. It is not a substitute for advice from a qualified chartered accountant, tax professional, or financial advisor — please verify important decisions with one. See our full disclaimer for details.
Last reviewed: October 2026 — rates/slabs checked against official sources. See our methodology.
Year-wise PPF Balance
YearOpening BalanceInvestmentInterest EarnedClosing Balance
Key PPF Rules
  • Minimum ₹500 and maximum ₹1,50,000 per year
  • Lock-in period of 15 years (extendable in 5-year blocks)
  • Partial withdrawal allowed from 7th year
  • EEE tax status — investment, interest and maturity all tax-free
  • Loan facility available from 3rd to 6th year
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What is PPF Calculator?

Free PPF Calculator. Calculate Public Provident Fund maturity amount, total interest earned and year-wise balance for 15-year PPF investment. India-specific financial calculators built for the Indian tax system, RBI guidelines, and Indian banking rates. TekPulse's PPF Calculator is completely free — no signup, no ads in results, and no data stored on our servers.

How to Use PPF Calculator Online

  1. Enter your annual PPF contribution amount (minimum ₹500, maximum ₹1.5 lakh per year)
  2. Enter the current PPF interest rate (8.1% — set by the Government of India)
  3. The calculator models the full 15-year lock-in period with annual compounding
  4. View the year-by-year balance, total investment, interest earned, and final maturity amount
  5. See the tax benefit — PPF contributions qualify for Section 80C deduction up to ₹1.5 lakh

PPF Calculator Formula & Calculation

A = P × [{(1 + r)ⁿ − 1} × (1 + r)] ÷ r (for equal yearly deposits)

P = Yearly deposit | r = Annual rate (7.1% for FY 2026-27) | n = Years (min 15)

Example: ₹1,50,000/year (maximum limit) for 15 years at 7.1%: Maturity ≈ ₹40,68,209. Total invested = ₹22,50,000. Tax-free gain = ₹18,18,209.

Bonus: At 30% slab, ₹1.5L in PPF saves ₹46,800 in tax each year → Over 15 years, tax saved = ₹7,02,000.

Key Factors That Affect Your Result

  1. Deposit timing — Depositing before the 5th of each month earns interest for that full month. Depositing in the first week of April earns interest for the entire financial year — worth ₹10,000+ extra annually on a ₹1.5L deposit.
  2. Extension after 15 years — PPF can be extended in 5-year blocks indefinitely, with or without fresh deposits. Continuing without fresh deposits still earns 7.1% tax-free — ideal for retirees.
  3. EEE tax status — PPF is Exempt-Exempt-Exempt: the deposit qualifies for 80C deduction, the annual interest is tax-free, and the maturity amount is fully tax-free. No other guaranteed instrument in India offers this.
  4. Partial withdrawal — Allowed from the 7th year (Year 7 onwards). Loan against PPF available from Year 3 to Year 6 at 1% above PPF rate. Useful as emergency fund layer.

Why Use TekPulse PPF Calculator?

Runs Entirely in Your Browser
Your investment details are calculated locally — nothing is sent to our servers
100% Free
No hidden charges, no premium tier — always free
Instant Results
Year-wise maturity value updates as you type
Mobile-Friendly
Works perfectly on smartphones, tablets, and desktops

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Frequently Asked Questions

PPF (Public Provident Fund) is a long-term savings scheme backed by the Government of India with a 15-year lock-in period. It offers tax benefits under Section 80C and the interest earned is completely tax-free.

The PPF interest rate is set by the government quarterly. It has been 7.1% p.a. for most of 2023-24. Interest is compounded annually and credited at the end of each financial year.

You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in PPF. Contributions above ₹1.5 lakh do not earn interest and are not eligible for 80C deduction.

Partial withdrawal is allowed from the 7th year. You can withdraw up to 50% of the balance at the end of the 4th year. Full premature closure is allowed after 5 years only in specific cases like medical treatment or higher education.

Yes. After the 15-year maturity, you can extend in blocks of 5 years with or without further contributions. The account continues to earn interest during extension.

Yes. PPF is backed by the Government of India and is one of the safest investments. It has never defaulted and the principal and interest are fully guaranteed.

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