PPF Calculator — Public Provident Fund
PPF maturity over 15 years with yearly contributions — EEE tax-free compounding, extension blocks and the 5th-of-month rule.
Formula
Disclaimer: Interest rates shown are recent indicative values — banks revise FD cards and the government notifies small-savings rates quarterly. Verify the current rate before investing. Not financial advice.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need ppf calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About PPF Calculator — Public Provident Fund
PPF is India's only mainstream triple-tax-free (EEE) instrument outside retirement accounts: contributions deduct under 80C (old regime), interest accrues tax-free, and the entire maturity is tax-free — making its 7.1% equivalent to a ~10.1% pre-tax FD for a 30%-slab investor. The default full ₹1.5 lakh yearly for 15 years builds roughly ₹40.7 lakh, of which ₹18 lakh is pure tax-free interest. The mechanics reward small disciplines: interest is computed on the lowest balance between the 5th and month-end — deposit BEFORE the 5th (ideally the full amount each April 5th) and you capture the whole year's compounding; deposit on the 6th and that month is lost. The 15-year lock is softer than it looks: partial withdrawals open from year 7, loans against balance from year 3, and hardship rules exist — but the lock is the feature, not the bug; it's what makes PPF the one corpus people DON'T raid. The post-15 endgame is where PPF turns elite: extend in 5-year blocks — with or without fresh contributions — while the whole accumulated corpus keeps compounding tax-free, and (in the without-contribution mode) allows one withdrawal per year of any amount. A mature extended PPF is functionally a tax-free, government-backed liquid fund — retirees' best-kept secret. Accounts for spouse and children multiply the family's tax-free envelope (within individual ₹1.5 lakh caps and clubbing rules).
How to use PPF Calculator — Public Provident Fund
- 1Enter Yearly contribution (max ₹1.5 lakh), PPF rate (notified quarterly) (%), Period (years) into the PPF Calculator.
- 2The result is computed automatically using Each year's contribution compounds annually at the notified rate; interest is credited yearly and is fully tax-free (EEE) — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use PPF Calculator — Public Provident Fund?
- ✓Computes ppf calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
₹1.5 lakh saal ka PPF 15 saal me kitna banega?+
7.1% par ~₹40.7 lakh — ₹22.5 lakh aapka, ~₹18.2 lakh tax-free interest. Wahi paisa 30% slab wale ke liye FD me ~₹33-34 lakh (post-tax) banta. 5 aur saal extend kar dein (contributions ke saath) to ~₹66 lakh. PPF ki asli taqat aakhri 5-10 saal me khulti hai.
5 tarikh wala rule kya hai?+
Mahine ka interest us mahine ke 5th se end tak ke MINIMUM balance par milta hai. 5th ke baad daala paisa us mahine count nahi hota. Best practice: poora ₹1.5 lakh April 1–5 me daal do — pura saal compound hota hai; March me daalne walon ko us saal ka interest lagbhag nahi milta. Sirf is timing se 15 saal me ₹1.5-2 lakh ka farak pad jata hai.
15 saal baad kya karein — nikaal lein ya extend?+
Zaroorat na ho to extend (5-saal blocks, unlimited baar): corpus tax-free compound hota rehta hai aur without-contribution mode me saal me ek baar kitna bhi nikaal sakte hain — yaani tax-free emergency fund + 7.1% growth ek saath. Form (H) maturity ke 1 saal ke andar dena hota hai extension ke liye, warna account contribution ke liye band ho jata hai (interest phir bhi milta rahta hai).
Kya PPF rate gir sakta hai? Lock ho jata hai kya?+
Rate quarterly notify hota hai aur PURANE balance par bhi naya rate lagta hai (FD ki tarah lock nahi) — 7.1% kuch saalon se stable hai par guarantee nahi. Phir bhi: sovereign guarantee + EEE + 80C ka combination kisi bank product me nahi milta. Rate-watch karein par is wajah se PPF chhodna 30% slab walon ke liye lagbhag kabhi sahi nahi nikalta.
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