Investment Intelligence

PPF Calculator — See Your Tax-Free Maturity Value

Calculate your Public Provident Fund maturity value at the current 7.1% interest rate, with year-by-year balance growth over your chosen tenure.

Calculate My PPF Returns
Uses the current 7.1% p.a. PPF rate, reviewed quarterly by the Ministry of Finance
Year-by-year balance growth chart over your investment period
Shows total invested vs tax-free interest earned separately
Covers the full EEE tax treatment — deduction, growth, and withdrawal

How it's calculated

1
Enter your annual investment amount
Input how much you plan to invest each year, up to the ₹1.5 lakh annual PPF limit.
2
Choose your time period
PPF has a minimum 15-year lock-in; you can extend in blocks of 5 years after maturity.
3
We compound annually at 7.1%
Interest is calculated on your yearly contribution plus accumulated balance, compounded annually at the current PPF rate.
4
See your tax-free maturity value
Get your total invested amount, interest earned, and final maturity value — all completely tax-free under EEE status.

Benchmarks we use

7.1%
Current PPF interest rate
Set by the Ministry of Finance for Q1 FY 2026-27, reviewed and revised quarterly.
₹1.5L
Maximum annual investment
The upper limit for annual PPF contributions eligible for Section 80C deduction.
15 yrs
Minimum lock-in period
PPF accounts have a mandatory 15-year lock-in, extendable in blocks of 5 years thereafter.

Frequently Asked Questions

What does EEE tax status mean for PPF?
EEE stands for Exempt-Exempt-Exempt: your contribution is deductible under Section 80C, the interest earned is tax-free, and the maturity amount is also tax-free.
Can I withdraw from PPF before 15 years?
Partial withdrawal is allowed after the 5th year, subject to conditions. A loan facility against your PPF balance is also available after the 3rd year.
Does the PPF interest rate change?
Yes. The rate is reviewed quarterly by the Ministry of Finance and can go up or down. This calculator uses the current 7.1% rate; actual returns will reflect any future rate changes.
What happens after 15 years?
You can withdraw the full maturity amount, or extend your account in blocks of 5 years, with or without making further contributions.

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