PPF Calculator
Calculate your Public Provident Fund returns and plan your tax-saving investments with our comprehensive PPF calculator
PPF Calculator
PPF Key Rules
- • Minimum investment: ₹500 per year
- • Maximum investment: ₹1,50,000 per year
- • Lock-in period: 15 years (mandatory)
- • Extension: 5-year blocks after maturity
- • Partial withdrawal: From 7th year onwards
- • Loan facility: 3rd to 6th year
- • Tax benefits: EEE (Exempt-Exempt-Exempt)
Quick Facts
Investment Breakdown
Investment Growth Over Time
Year-wise Investment vs Interest
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View All CalculatorsWhat is PPF?
Public Provident Fund (PPF) is a government-backed tax-saving investment scheme with a 15-year lock-in period. It offers attractive returns, tax benefits under Section 80C, and tax-free maturity proceeds, making it one of the best long-term investment options in India.
Lock-in Period: 15 years with option to extend in blocks of 5 years
Investment Limit: Minimum ₹500, Maximum ₹1.5 lakh per year
Interest Rate: Currently 7.1% per annum (subject to change)
Tax Benefits: Investment, interest, and maturity all tax-free
PPF Benefits
Triple Tax Exemption (EEE)
Investment qualifies for deduction under Section 80C, interest earned is tax-free, and maturity amount is completely tax-exempt.
Government Guaranteed Returns
Being a government scheme, PPF offers guaranteed returns with zero credit risk, making it one of the safest investment options available.
Loan & Withdrawal Facility
Partial withdrawal allowed from 7th year onwards, and loan facility available from 3rd to 6th year against PPF balance.
PPF Investment Tips
Maximize your PPF returns with these expert tips
Start Early
The earlier you start, the more you benefit from compounding. Starting at age 25 vs 35 can result in significantly higher corpus.
Invest Early in Financial Year
Make your PPF contribution before April 5th to earn interest for the full year. Interest is calculated on the lowest balance between 5th and last day of the month.
Consider Extension
After 15 years, you can extend PPF in blocks of 5 years to continue earning tax-free returns without fresh contributions.