SIP Calculator India
Estimate mutual fund SIP maturity value, invested amount, and wealth gain.
UseTax-saving investment
PPF Calculator India
Estimate Public Provident Fund maturity, tax-free interest, and Section 80C eligible deposit before you lock money for long-term goals.
₹1,50,000 80C7.1% Rate15 years Term
Inputs
Tax-saving fixed incomePPF Calculator details
Deposit timingStart-year assumes deposits are made early enough to earn interest for the year.
Result
Live estimatePPF maturity amount
Total deposit₹22,50,000Total PPF contributions.
Interest earned₹18,18,209Estimated tax-free interest.
80C eligible₹1,50,000Current-year eligible deposit.
Deposit timingStart-yearEarlier deposits earn more interest.
Lock-in shown15 yrsPPF standard tenure is 15 years.
Extension block5 yearsPPF may be extended in blocks.
Estimate only. PPF rules, interest notification, deposit dates, withdrawal rules, and tax treatment should be verified before investing or filing.
CA check
Planning viewKey assumptions
Annual contribution₹1,50,000PPF yearly deposit used in projection.
Interest rate7.1%Annual rate assumption; update when rates change.
Tax treatmentEEEContribution, interest, and maturity are generally tax-favoured.
Deposit ₹22,50,000Interest ₹18,18,209
Projection
15 rowsPPF yearly projection
Shows how annual deposits and interest build the maturity value.
| Year | Opening | Deposit | Interest | Closing |
|---|---|---|---|---|
| 1 | ₹0 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,60,650 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹3,32,706 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹5,16,978 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹7,14,334 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹9,25,701 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹11,52,076 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹13,94,524 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹16,54,185 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹19,32,282 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹22,30,124 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹25,49,113 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹28,90,750 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹32,56,643 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹36,48,515 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
PPF Calculator India guide
Use this PPF calculator for searches such as PPF calculator, PPF maturity calculator, Public Provident Fund calculator, PPF interest calculator, and 80C tax-saving calculator.
As a CA planning note, do not compare PPF only with FD rates. PPF interest is generally tax-free, while FD interest is taxable at slab rate. For high tax brackets, post-tax FD return can be materially lower.
PPF is suited for long-term, low-risk tax-saving goals. For retirement, compare PPF with EPF, NPS, SIP, and FD based on liquidity, return risk, tax treatment, and lock-in.
PPF Calculator FAQs
What is the maximum PPF deposit allowed?
PPF currently allows up to Rs 1.5 lakh deposit per financial year. This calculator caps the annual input at that planning limit.
Is PPF interest taxable?
PPF is generally treated as EEE, so eligible contribution, interest, and maturity are tax-favoured under current rules.
Can I extend PPF after 15 years?
Yes, PPF can generally be extended in blocks of 5 years, with or without further contribution depending on the option chosen.