हिंदी

PPF Calculator

See how much your Public Provident Fund (PPF) account will be worth at maturity. PPF is backed by the Government of India, and both the interest and the maturity amount are tax-free.

Maturity amount —
Total deposited —
Interest earned (tax-free) —

How to use

  1. Enter how much you will deposit every year (₹500 to ₹1.5 lakh).
  2. Keep the current rate of 7.1% or enter a different one.
  3. Choose the number of years — 15, or more if you extend the account.
  4. See the maturity amount and total interest.

Formula

Interest is compounded once a year. The calculator assumes you deposit at the start of each financial year (before 5 April), so every deposit earns interest for the full year.
Maturity = P × ((1 + r)n − 1) ÷ r × (1 + r)

Frequently asked questions

What is the current PPF interest rate?

7.1% a year for July–September 2026. The government reviews the rate every quarter, so check the latest rate before investing.

Is PPF tax-free?

Yes. In the old regime, deposits up to ₹1.5 lakh qualify for the 80C deduction, and the interest and maturity amount are tax-free in both regimes.

Can I extend PPF after 15 years?

Yes, in blocks of 5 years, with or without new deposits. Set Years to 20, 25 or more to see the effect.

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