CALCULATORS • PLANNING
PPF Calculator
Project a yearly PPF deposit to maturity.
Tax-free compounding
Calculate exact guaranteed returns under the EEE tax regime.
ABOUT THIS CALCULATOR
What is the PPF Calculator?
The Public Provident Fund (PPF) is a government-backed, long-term savings scheme offering guaranteed, tax-free returns. With a mandatory 15-year lock-in, it forces financial discipline and is a staple in most Indian households for conservative, risk-free compounding under the EEE (Exempt-Exempt-Exempt) tax regime.
Calculator Details
Adjust the values below to see your personalized results.
What you put in each year
₹
₹500₹1.5 L
Set this to the rate currently notified
%
4%12%
15 years, then extendable in blocks of 5
yr
15 yr50 yr
Maturity amount
₹40,68,209
Total deposited₹22,50,000
Interest earned₹18,18,209
Period15 years
Tip: PPF is backed by the government, and the deposit, the interest and the maturity amount all get tax benefits under the rules in force.
What this calculation assumes
- The full year's deposit goes in at the start of the year and earns interest for that whole year. Depositing later in the year earns less.
- The same rate applies for the whole period. The government revises the PPF rate every quarter, so set the rate above to the one in force.
- A PPF account runs for 15 years and can then be extended in blocks of 5 years.
- Yearly deposits are capped by the scheme's own limit, and the rules on partial withdrawal and loans are not modelled here.
The result is an estimate to help you plan. Your bank, insurer or fund house will confirm the exact figures, and market-linked returns are never guaranteed.
Want this checked for your own case?
Send us your numbers and we will walk you through the options — there is no fee for the advice.