PPF Calculator
Calculate Public Provident Fund returns and maturity amount.
About PPF Calculator
The PPF Calculator from ToolsOfIndia gives long-term savers and tax planners a quick, dependable way to get answers without wrestling with formulas. Enter the yearly deposit up to the Rs 1.5 lakh limit, the 7.1 per cent rate that PPF currently pays, and the 15-year maturity is projected along with intermediate withdrawal values. Because PPF interest is tax-free and the maturity amount is fully exempt, the calculator shows the effective pre-tax-equivalent return, which is usually higher than a comparable fixed deposit. The 15-year lock-in, the option to extend in five-year blocks and the rules for partial withdrawal after seven years are all reflected, so the projection matches what your PPF passbook will actually show. Deposits made before the fifth of the month earn interest for that month, a detail the tool keeps visible. Every figure is in Indian rupees with lakh and crore grouping, the same format your bank statements and SIP confirmations already use. Typical moments to reach for it: planning the yearly Rs 1.5 lakh 80C investment, comparing PPF with a tax-free bond, or deciding whether to extend a matured account. Everything is free with no usage caps, and nothing asks for your email address.
How to Use the PPF Calculator
- Open the PPF Calculator tool above — it loads instantly in your browser.
- Enter your values in the input fields provided.
- The result updates immediately — no calculate button needed (or click Calculate where shown).
- Copy or use your result directly. Nothing is stored or sent to any server.
Key Features of PPF Calculator
- Yearly investment
- 15-30 year tenure
- Compound interest
- 15-year projection
- Tax-free interest
- Extension in five-year blocks
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Frequently Asked Questions
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum compounded annually. Rates are reviewed quarterly by the government and have historically ranged from 7.1% to 8.7%.
How much can I invest in PPF per year?
The minimum annual PPF investment is Rs. 500 and the maximum is Rs. 1.5 lakh per financial year. Investments qualify for tax deduction under Section 80C.
What is the PPF lock-in period?
PPF has a 15-year lock-in period from the account opening date. Partial withdrawals are allowed from year 7. The entire balance is tax-free including interest.
Is the Rs 1.5 lakh limit per year or total?
The Rs 1.5 lakh limit is per financial year; you can deposit less, but no more, and only deposits up to this qualify for the 80C deduction.
Can I withdraw before 15 years?
Partial withdrawal is allowed from the seventh year for needs like education or serious illness, and full closure is possible earlier only in specific cases such as the account holder dying.