PPF Calculator — Public Provident Fund
See what your Public Provident Fund will be worth at maturity — total invested, tax-free interest earned, and final value for 15 to 30 year tenures.
Total invested
₹22,50,000
Interest earned
₹18,18,209
Maturity value
₹40,68,209
Assumes deposits at the start of each year at a constant rate (the government revises the PPF rate quarterly — currently around 7.1%). PPF is EEE: the investment, interest and maturity are all tax-free.
Frequently Asked Questions
How is PPF interest calculated?
PPF interest compounds annually at the government-declared rate (revised quarterly, around 7.1% recently). Interest for each month is credited on the minimum balance between the 5th and the end of the month, so depositing before the 5th of the month earns the most.
What is the PPF deposit limit?
Minimum ₹500 and maximum ₹1,50,000 per financial year. Deposits qualify for the Section 80C deduction in the old tax regime.
Can I extend PPF beyond 15 years?
Yes — after the 15-year maturity you can extend in blocks of 5 years, with or without fresh contributions, any number of times. The tenure dropdown lets you model 20, 25 or 30 years.
Is PPF completely tax-free?
Yes — PPF has EEE status: the deposit (under 80C, old regime), the interest earned, and the maturity amount are all exempt from income tax.