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PPF Calculator

Last updated: 2026-05-04
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PPF Calculator

Calculate PPF Maturity with 80C Tax Benefits

7.1% Rate
lightbulb Smart Tip: Enter your PPF investment details. The maturity amount and interest breakdown will update automatically on the right. Invest before the 5th of every month to maximize returns!

account_balance_wallet PPF Investment Calculator

Use our PPF calculator to estimate your Public Provident Fund maturity amount, total interest earned, and tax savings under Section 80C. PPF offers EEE (Exempt-Exempt-Exempt) tax status with guaranteed returns.

₹
Min: ₹500 | Max: ₹1,50,000 per year
Yearly (Beginning of Year) ▼
Yearly (Beginning of Year)
Yearly (End of Year)
Monthly
Current rate: 7.1% (Q1 2026)
15 Years (Default) ▼
15 Years (Default)
20 Years (Extended by 5)
25 Years (Extended by 10)
30 Years (Extended by 15)
30% ▼
0% (Below taxable)
5%
10%
20%
30%

assignment PPF Investment Summary

Total Investment (15 Years)₹0
Total Interest Earned₹0
Maturity Value₹0
Tax Saved (80C)₹0
Effective Return (Post-Tax)-
Investment vs Interest
Invested Amount
Interest Earned

trending_up Year-wise Growth

assignment PPF Scheme Features 2026

FeatureDetails
Interest Rate7.1% p.a. (Compounded annually)
Minimum Investment₹500 per year
Maximum Investment₹1,50,000 per year
Tenure15 years (extendable in 5-year blocks)
Tax StatusEEE (Fully Tax-Free)
Loan FacilityAvailable from 3rd to 6th year (up to 25% of balance)
Premature WithdrawalFrom 7th year (up to 50% of balance at end of 4th year)
Where to OpenPost Office, SBI, HDFC, ICICI, Axis, and other banks

compare_arrows PPF vs Other Tax-Saving Investments

FeaturePPFELSSTax-Saving FDNSC
Returns7.1% (Current)12-15% (Market-linked)6.5-7%7.7%
RiskZero (Govt-backed)Market RiskZeroZero
Lock-in15 years3 years5 years5 years
Tax on InterestTax-FreeTax-FreeTaxableTaxable
Tax on MaturityTax-FreeTax-Free (LTGC)Principal onlyTaxable
80C DeductionYesYesYesYes

PPF Calculator: Your Complete Guide to Public Provident Fund Investment

The Public Provident Fund (PPF) is one of India's most popular long-term investment options, offering a unique combination of guaranteed returns, tax benefits, and complete safety. Our PPF Calculator helps you estimate your maturity amount, total interest earned, and tax savings under Section 80C of the Income Tax Act, 2025. Note that the Section 80C deduction for PPF is only available under the Old Tax Regime.

Why Invest in PPF? Key Benefits Explained

PPF stands out as a preferred investment choice for several compelling reasons:

  • EEE Tax Status: PPF enjoys the coveted Exempt-Exempt-Exempt (EEE) status, meaning your investment, interest earned, and maturity amount are all completely tax-free. This triple tax advantage makes PPF one of the most tax-efficient investment options in India.
  • Section 80C Tax Deduction: Investments up to ₹1.5 lakh per financial year qualify for tax deduction under Section 80C. For someone in the 30% tax bracket, this translates to immediate tax savings of up to ₹46,800 (including cess) annually.
  • Government-Backed Security: PPF is backed by the Government of India, ensuring complete capital protection. Your investment is 100% safe, making it ideal for risk-averse investors and retirement planning.
  • Attractive Interest Rate: The current PPF interest rate is 7.1% per annum (Q1 2026), compounded annually. Interest is calculated on the lowest balance between the 5th and last day of each month.
  • Long-Term Wealth Creation: With a 15-year tenure and the power of compounding, PPF can help you build substantial wealth. A maximum annual investment of ₹1.5 lakh over 15 years at 7.1% can grow to approximately ₹40.68 lakh.

How PPF Interest is Calculated

Understanding PPF interest calculation helps you maximize returns:

The interest on PPF is calculated monthly on the lowest balance between the 5th and the last day of the month. This means if you deposit money after the 5th of any month, you won't earn interest for that month on that deposit. The best strategy is to invest the maximum amount between April 1-5 of each financial year to earn interest for all 12 months.

For monthly deposits, each deposit should be made before the 5th of that month to earn interest for the entire month. The annual interest rate is reviewed quarterly by the Ministry of Finance based on government securities yields.

PPF Tax Benefits Under Section 80C

PPF is one of the most powerful tax-saving instruments available:

  • Investment Deduction: Up to ₹1.5 lakh invested in PPF qualifies for deduction under Section 80C. This reduces your taxable income directly.
  • Tax-Free Interest: Unlike fixed deposits where interest is taxable, PPF interest is completely tax-free. You don't need to declare it as income.
  • Tax-Free Maturity: The entire maturity amount, including principal and accumulated interest, is received tax-free. No TDS is deducted.

PPF Withdrawal and Loan Rules

While PPF has a 15-year lock-in, partial liquidity is available:

  • Premature Withdrawal: From the 7th financial year onwards, you can withdraw up to 50% of the balance at the end of the 4th preceding year or 50% of the immediately preceding year's balance, whichever is lower.
  • Loan Facility: You can take a loan against your PPF account from the 3rd to 6th year. The loan amount is limited to 25% of the balance at the end of the second preceding year. Interest rate is 1% above the PPF rate.
  • Extension After Maturity: After 15 years, you can extend PPF in blocks of 5 years with or without fresh deposits. During extension, one withdrawal per year is allowed up to 60% of the balance at the start of the extension period.

Who Should Invest in PPF?

PPF is ideal for:

  • Salaried individuals looking for tax-efficient retirement planning
  • Risk-averse investors seeking guaranteed returns
  • Parents planning for their children's education or marriage
  • Self-employed professionals seeking safe long-term investment
  • Anyone wanting to diversify their portfolio with a debt component

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Frequently Asked Questions about PPF Calculator

Find answers to common questions about ppf calculator. Click on any question to expand the answer.

No, an individual can have only one PPF account in their name. Having multiple accounts is not allowed. However, you can open a separate PPF account for a minor child where you are the guardian. The combined investment limit is ₹1.5 lakh.

The PPF interest rate for FY 2026-27 is 7.1% per annum, compounded annually. The rate is reviewed quarterly by the government and has remained at 7.1% since Q2 FY 2020-21.

Invest before 5th of every month to get interest for that month. Best strategy is to invest the full amount between April 1-5 of each financial year. This maximizes interest as your money earns interest for all 12 months.

Yes, after 15 years, you can extend PPF in blocks of 5 years. You can continue with or without fresh deposits. During extension, you can make one withdrawal per year up to 60% of the balance at the start of the extension period.

PPF offers EEE tax status (tax-free investment, interest, and maturity) under the Income Tax Act, 2025, while FD interest is taxable. For someone in the 30% tax slab under the old regime, PPF's 7.1% is equivalent to FD's ~10% pre-tax. However, FD has no lock-in while PPF has 15-year tenure.

Yes, you can take a loan against PPF from 3rd to 6th year of opening. The loan amount can be up to 25% of the balance at the end of 2nd preceding year. Interest rate is 1% above PPF rate. No loan facility after 6th year.

Under the Income Tax Act, 2025, PPF offers EEE (Exempt-Exempt-Exempt) tax status. Contributions qualify for deduction under Section 80C (up to ₹1.5 lakh), the annual interest earned is tax-exempt, and the maturity proceeds are completely tax-free.

gavel Legal Disclaimer

This calculator is for informational and educational purposes only. Investment returns are illustrative and based on assumed rates that may vary. Market-linked investments carry risk and past performance does not guarantee future returns. Interest rates on small savings schemes are reviewed quarterly by the Government of India. This tool should not be considered as financial advice. Consult a SEBI-registered financial advisor before making investment decisions.

verified Source: SEBI / Ministry of Finance, Govt. of India • Last updated: 2026-05-04

update Latest Updates & Regulatory Changes

UPDATED

trending_up Small Savings Rates Q1 2026-27

The Government of India reviews small savings scheme interest rates quarterly. PPF rate is 7.1%, Senior Citizens Savings Scheme is 8.2%, and Sukanya Samriddhi is 8.2% for Q1 FY 2026-27.

NEW

account_balance NPS Tier-I Tax Benefit Enhanced

Under the New Tax Regime, NPS employer contribution deduction under Section 80CCD(2) continues to be available. Under the Old Regime, additional ₹50,000 deduction under 80CCD(1B) is also available.

description Terms, Rules & Regulations

gavel

SEBI & RBI Regulations

Mutual fund investments are regulated by SEBI, and small savings schemes by the Ministry of Finance through RBI. Interest rates on government schemes are reviewed quarterly. Returns on market-linked instruments are not guaranteed and subject to market risks.

verified_user

Rate Assumptions

Investment calculators use assumed rates of return for illustration purposes. Actual returns on market-linked investments (mutual funds, equities) will vary. Small savings scheme rates are as per the latest quarterly notification by the Government of India.

policy

Tax on Investment Returns

Capital gains tax, dividend taxation, and interest income taxation rules apply as per the Income Tax Act, 2025. LTCG, STCG, and debt fund taxation rules have been updated. Consult a tax professional for personalized guidance on investment tax implications.

`; printWindow.document.write(html); printWindow.document.close(); setTimeout(() => { printWindow.print(); }, 250); }function ppfExportPDF() { ppfPrintComputation(); }function ppfExportExcel() { const data = ppfLastCalculation; if (!data.years) { alert('Please calculate PPF returns first'); return; } let yearRows = 'Year,Opening Balance,Deposit,Interest,Closing Balance\n'; data.yearlyData.forEach(row => { yearRows += `${row.year},${Math.round(row.opening)},${Math.round(row.deposit)},${Math.round(row.interest)},${Math.round(row.closing)}\n`; }); const depositTypeLabel = data.depositType === 'yearly-begin' ? 'Yearly (Beginning)' : data.depositType === 'yearly-end' ? 'Yearly (End)' : 'Monthly'; const csvContent = `PPF Calculation Report Generated On,${new Date().toLocaleDateString('en-IN')}Investment Details Yearly Deposit,${data.yearlyDeposit} Deposit Frequency,${depositTypeLabel} Interest Rate,${data.rate}% p.a. Investment Period,${data.years} Years Tax Slab,${data.taxSlab}%Summary Total Investment,${Math.round(data.totalInvestment)} Total Interest Earned,${Math.round(data.totalInterest)} Maturity Value,${Math.round(data.balance)} Tax Saved (Section 80C),${Math.round(data.totalTaxSaved)} Effective Return (incl. tax benefit),${data.effectiveReturn.toFixed(1)}%Year-wise Growth ${yearRows} Disclaimer This is for informational purposes only. Please verify with official sources. `; const blob = new Blob([csvContent], { type: 'text/csv' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = 'ppf-calculation-report-' + new Date().toISOString().slice(0,10) + '.csv'; a.click(); URL.revokeObjectURL(url); }// Auto-calculate on page load document.addEventListener('DOMContentLoaded', function() { calculatePPF(); });
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