PPF Calculator

Calculate returns on your Public Provident Fund investments with tax-free interest.

Yearly Deposit

₹

Annual investment (max ₹1.5 lakh).

Interest Rate

Current PPF rate (7.1%).

Tenure

Lock-in period (min 15 years).

EEE Tax Benefit

PPF offers Exempt-Exempt-Exempt tax benefits under Section 80C.

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Maturity Amount

₹ 0

After 15 years of tax-free growth

Invested

Total Deposited

0

Returns

Interest Earned

0

Duration

Lock-in Period

15 Years

Wealth Growth Over Years

Year-by-Year Breakdown

Year	Deposited	Interest	Balance

Documentation

How PPF Works

Public Provident Fund is a government-backed savings scheme with a 15-year lock-in period. It offers guaranteed, tax-free returns with sovereign guarantee.

Key Benefits

"Tax deduction under 80C, tax-free interest, loan facility after 3rd year, partial withdrawal after 7th year."

The Formula

A = P × ((1 + r)ⁿ - 1)r × (1 + r)

₹ 0 from ₹ 1,50,000/yr @ 7.1% for 15 yrs

Where: A = Maturity, P = Yearly Deposit (₹ 1,50,000), r = Rate (7.1%), n = Years (15).

Last Updated: January 2026

Disclaimer: PPF interest rates are revised quarterly by the government. The calculator uses the current rate for projections. Actual returns may vary based on rate changes.