PPF Calculator: Calculate Public Provident Fund Maturity Amount
By ToolZoneX Team
•
June 2026
The Public Provident Fund (PPF) is a government-backed savings scheme offering guaranteed returns with tax benefits under Section 80C. With a 15-year lock-in and yearly compounding, PPF is one of the safest long-term investment options in India.
How to Use PPF Calculator
1.
Enter your annual PPF contribution (max ₹1.5 lakh)2.
Current interest rate is pre-filled (adjustable)3.
Set the duration (15 years minimum, extendable in 5-year blocks)4.
View maturity amount, total interest, and year-wise growth
Key Features
- Accurate calculation using PPF compounding rules
- Year-by-year breakdown of deposits and interest earned
- Shows tax savings under Section 80C
- Handles extended PPF periods (beyond 15 years)
When to Use This Tool
•
Planning long-term tax-free savings•
Comparing PPF returns with FD or mutual funds•
Understanding the EEE (Exempt-Exempt-Exempt) tax benefit•
Retirement planning alongside EPF and NPS
Frequently Asked Questions
As of 2025-26, the PPF interest rate is 7.1% per annum, compounded yearly. The rate is reviewed quarterly by the government.
Partial withdrawals are allowed from the 7th year onwards (up to 50% of the balance at the end of the 4th year).
No. PPF enjoys EEE status — the contribution, interest, and maturity amount are all tax-free.
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