PPF Calculator - Public Provident Fund Calculator India 2026

₹ Yearly Investment Min: ₹500 | Max: ₹1,50,000 per year

📊 Interest Rate (% p.a.) Current PPF rate: 7.1% (Q4 FY 2024-25)

⏱️ Tenure (Years) Minimum 15 years, extendable in blocks of 5 years

Total Investment

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Interest Earned

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Maturity Amount

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Return Rate

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💚 Tax Benefits under Section 80C

Your yearly PPF contribution is eligible for tax deduction under Section 80C of the Income Tax Act, 1961.

Tax Deduction (per year):

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Estimated Tax Saved (30% bracket):

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⚠️ PPF investments, interest earned, and maturity amount are all tax-free (EEE status).

About PPF Calculator

The Public Provident Fund (PPF) is one of India's most popular long-term investment schemes offering guaranteed returns and complete tax exemption. Our advanced PPF Calculator helps you accurately estimate your maturity amount, interest earnings, and tax benefits under Section 80C of the Income Tax Act.

With the current PPF interest rate at 7.1% per annum (compounded annually), this calculator provides real-time calculations to help you plan your retirement and long-term financial goals effectively. Whether you're investing the minimum ₹500 or the maximum ₹1,50,000 per year, our tool gives you instant, accurate results.

Key Features of PPF

Tax Benefits: Triple tax exemption (EEE) - investment, interest, and maturity are all tax-free
Guaranteed Returns: Government-backed scheme with assured interest rates
Long-term Investment: Minimum 15-year lock-in period, extendable in 5-year blocks
Flexible Contributions: Invest between ₹500 to ₹1,50,000 per financial year
Loan Facility: Available from 3rd to 6th year of account opening
Partial Withdrawal: Allowed from the 7th financial year

How to Use This PPF Calculator

Using our PPF calculator is simple and intuitive. Enter your yearly investment amount (between ₹500 and ₹1,50,000), select the current interest rate (default is 7.1%), and choose your investment tenure (minimum 15 years). The calculator instantly computes your total investment, interest earned, maturity amount, and tax benefits. You can adjust values using either input fields or convenient sliders for real-time results.

Understanding PPF Calculations

PPF interest is calculated on the lowest balance between the 5th and the end of every month. Interest is compounded annually and credited to the account at the end of each financial year. The interest rate is revised quarterly by the Government of India. Our calculator uses compound interest formula to give you accurate projections based on your inputs.

Why Invest in PPF?

PPF is ideal for risk-averse investors seeking stable, tax-free returns with government backing. It's perfect for long-term goals like retirement planning, children's education, or building a substantial corpus. The combination of tax benefits, guaranteed returns, and zero market risk makes PPF a cornerstone of smart financial planning for millions of Indians.

Frequently Asked Questions

What is the current PPF interest rate in 2026?

As of Q4 FY 2024-25, the PPF interest rate is 7.1% per annum, compounded annually. The government reviews and announces PPF rates quarterly.

What is the maximum and minimum investment in PPF?

You can invest a minimum of ₹500 per year and a maximum of ₹1,50,000 per financial year in your PPF account. Investments can be made in lump sum or in installments.

Are PPF returns completely tax-free?

Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) status. Your investment qualifies for deduction under Section 80C (up to ₹1.5 lakh), the interest earned is tax-free, and the maturity amount is also completely tax-exempt.

Can I withdraw money from PPF before maturity?

Partial withdrawals are allowed from the 7th financial year onwards, subject to certain conditions. You can also take a loan against your PPF balance between the 3rd and 6th year of opening the account.

What happens after 15 years of PPF maturity?

After 15 years, you can either withdraw the entire amount or extend the account in blocks of 5 years with or without making further contributions. The extended period continues to earn interest at prevailing rates.

How is PPF interest calculated?

PPF interest is calculated on the minimum balance in your account between the close of the 5th day and the last day of each month. The interest is compounded annually and added to your account at the end of the financial year.

💰 PPF Calculator 2026