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The Public Provident Fund is India's most trusted tax-free savings scheme. This free PPF calculator projects your maturity amount after the 15-year tenure based on your yearly deposit and the current PPF interest rate.
It shows how much you invested versus how much interest you earned — and reminds you that PPF interest and maturity are completely tax-free under the EEE regime.
Yearly balance compounds at the PPF rate: Balance(n+1) = (Balance(n) + yearly deposit) × (1 + r), applied over the 15-year tenure.
What is the PPF interest rate now?
The government revises PPF rates quarterly. Recent rates have been around 7.1% per annum. You can update the rate in the calculator.
What is the minimum and maximum PPF deposit?
Minimum ₹500 and maximum ₹1,50,000 per financial year.
Is PPF tax-free?
Yes — PPF follows the EEE regime: deposits get 80C deduction, interest is tax-free, and maturity is tax-free.
Can I extend PPF after 15 years?
Yes, in blocks of 5 years, with or without fresh deposits.
Can I withdraw from PPF early?
Partial withdrawals are allowed from the 7th year subject to conditions; full closure has stricter rules.