PPF Calculator 2026 - Public Provident Fund Returns

Calculate your PPF (Public Provident Fund) maturity amount and returns with our free PPF calculator. Plan your long-term savings with accurate calculations based on current PPF interest rates. PPF is one of India's most popular savings schemes offering tax-free returns with government-backed safety. Our calculator helps you project the future value of your PPF investments over 15 years or extended periods. Enter your yearly contribution to see how your wealth will grow with compound interest. Perfect for retirement planning, children's education, or building a long-term corpus. The calculator uses the latest PPF interest rate of 7.1% per annum and shows detailed breakup of invested amount and interest earned. PPF offers triple tax benefits (EEE) - investment qualifies for 80C deduction, interest is tax-free, and maturity proceeds are tax-free. Essential tool for salaried employees, self-employed professionals, and anyone seeking safe, tax-efficient long-term savings in India.

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Calculate PPF Maturity

₹

Current PPF Interest Rate: 7.1% per annum
Min Investment: ₹500/year
Max Investment: ₹1,50,000/year
Lock-in Period: 15 years (extendable)

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How PPF Interest is Calculated

PPF interest is calculated monthly but credited annually at the end of the financial year. Interest is calculated on the lowest balance in the account between the 5th and the last day of each month. This is why it's recommended to deposit before the 5th of every month.

PPF Calculation Formula

M = P × [(1 + r)^n - 1] / r

Where:

• M = Maturity amount

• P = Annual investment amount

• r = Interest rate (7.1% = 0.071)

• n = Number of years

PPF Calculation Example

For ₹1,50,000 yearly investment for 15 years

Yearly Deposit:₹1,50,000.00
Investment Period:15 years
Interest Rate:7.1% per annum
Total Invested:₹22,50,000.00
Interest Earned:₹18,18,209.00
Maturity Amount:₹40,68,209.00

This entire amount is tax-free under EEE category

PPF Returns for Different Investment Amounts

Yearly Investment15 Years Maturity20 Years Maturity25 Years Maturity
₹12,000.00₹3.25 lakhs₹4.93 lakhs₹7.28 lakhs
₹50,000.00₹13.56 lakhs₹20.55 lakhs₹30.34 lakhs
₹1,00,000.00₹27.12 lakhs₹41.11 lakhs₹60.68 lakhs
₹1,50,000.00₹40.68 lakhs₹61.66 lakhs₹91.02 lakhs

*Based on 7.1% interest rate. Actual returns may vary based on government notification

PPF vs Other Investment Options

FeaturePPFFixed DepositMutual Funds
Returns7.1% (tax-free)6-7% (taxable)12-15% (equity)
RiskZero (govt backed)Very LowMedium to High
Tax BenefitEEE (Triple)Only 80CLTCG Tax
Lock-in15 yearsFlexibleNo lock-in
LiquidityPartial after 5 yearsPenalty on early exitHigh

PPF Investment Tips & Rules

  1. Deposit Before 5th: Deposit before 5th of month to earn interest for that month.
  2. Max Once Per Year: Contribute ₹1.5 lakh in one shot at start of year for maximum benefit.
  3. Only One Account: One person can have only one PPF account across all banks/post offices.
  4. Minor Account: Parents can open PPF for children, but combined limit is ₹1.5L.
  5. Loan Facility: Can take loan against PPF from 3rd to 6th year at 2% interest.
  6. Extension Benefits: Extend after 15 years in 5-year blocks, interest continues.
  7. No TDS: No TDS on PPF interest, completely tax-free at all stages.
  8. Nomination Allowed: Add nominee to ensure smooth transfer in case of death.

Frequently Asked Questions

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