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PPF Calculator India 2026 – 15-Year Returns & Tax Savings
Use this free PPF Calculator in India to calculate your Public Provident Fund maturity corpus, annual interest earned, and total Section 80C tax benefit.
Public provident fund returns
Maturity Corpus
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Total Invested
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Interest Gained
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Maturity Value
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❓ FAQs
How does this calculator work?▼
Enter the required values and click Calculate. Results appear instantly using standard financial formulas.
Is this free?▼
Yes, completely free. No login or signup required.
Are calculations accurate?▼
Yes, industry-standard formulas. For large decisions, consult a financial advisor.
📊 What is the PPF Calculator and How Does It Work?
PPF compounds annually at the government-declared rate (7.1%). Interest is calculated on the lowest balance between 5th and last day of each month. Contributions up to ₹1.5L/year qualify for Section 80C deduction. Maturity is completely tax-free (EEE status).
Formula
PPF Interest = Balance × Rate/100 (annual compounding) | EEE: deduction + growth + maturity all tax-free🪓 Step-by-Step: How to Use This Calculator
- Enter yearly PPF contribution (max ₹1,50,000)
- Enter current PPF interest rate (default 7.1%)
- Set tenure (15 years minimum, extendable in 5-year blocks)
- Click Calculate to see year-wise breakdown and total maturity amount
📌 Example Calculation
₹1,50,000/year for 15 years at 7.1%: invested ₹22,50,000 grows to ~₹40,68,000 — all completely tax-free.
✅ Benefits of Using This Calculator
- Triple tax benefit — deduction, growth, maturity all tax-free (EEE)
- Sovereign guarantee — backed by Government of India
- Guaranteed returns unaffected by market volatility
- Partial withdrawal allowed from year 7 onwards
- Loan facility available from year 3 onwards
- Creditor-proof — cannot be attached by courts
⚙️ Key Factors That Affect Results
- Yearly contribution (₹500 min, ₹1,50,000 max)
- Government-declared rate reviewed quarterly
- Invest before 5th of month to earn full month interest
- 15-year lock-in — plan for long-term goals only
- Extension in 5-year blocks after maturity
❓ Frequently Asked Questions
What is PPF?▼
Public Provident Fund — government-backed savings with guaranteed, tax-free returns and Section 80C benefits. 15-year lock-in.
Can I invest more than ₹1.5 lakh?▼
No. Maximum ₹1,50,000/year. Excess earns no interest and 80C benefit is capped at ₹1.5 lakh.
Can NRIs invest in PPF?▼
NRIs cannot open new PPF accounts. Existing accounts cannot be extended after maturity.
What if I miss a year?▼
Account becomes inactive. Pay ₹50 penalty per default year plus minimum ₹500 to reactivate.
PPF vs ELSS for tax saving?▼
PPF is safer and fully tax-free with 15-year lock-in. ELSS has higher potential returns with 3-year lock-in but is market-linked.