Plan your long-term savings effortlessly with our PPF Calculator. Whether you’re investing annually or regularly saving for the future, this tool helps you project your PPF maturity amount, total interest earned, and total investment based on current Read more 
₹
| Years | Deposit amount | Interest amount | Balance amount |
|---|---|---|---|
| 1 | ₹6,000 | ₹426 | ₹6,426 |
| 2 | ₹6,000 | ₹882 | ₹13,308 |
| 3 | ₹6,000 | ₹1,371 | ₹20,679 |
| 4 | ₹6,000 | ₹1,894 | ₹28,573 |
| 5 | ₹6,000 | ₹2,455 | ₹37,028 |
| 6 | ₹6,000 | ₹3,055 | ₹46,083 |
Using a PPF Calculator offers several advantages:
Using the PPF calculator is quick and simple:
Based on these inputs, you will be able to view:
PPF interest is compounded annually using the formula:
A = P × (1 + r)n
Where:
Since contributions can vary year to year, the calculator considers each annual deposit and applies compounding accordingly.
Example:
If you invest ₹1.5 lakh yearly for 15 years at an average interest rate of 7.1%, the maturity amount will be around ₹40.7 lakhs.
Start your journey toward secure, long-term savings with our PPF Calculator.
Whether you’re investing for retirement, education, or tax planning, this tool helps you visualize your financial future.
Compare PPF with similar long-term savings instruments:
| Investment Option | Lock-in | Return Type | Risk Level |
|---|---|---|---|
| PPF | 15 yrs | Fixed (Govt.) | Low |
| NPS | Till 60 | Market-linked | Moderate |
| ELSS | 3 yrs | Market-linked | High |
| FD (Tax Saver) | 5 yrs | Fixed | Low |
As of Q2 FY 2025, it is 7.1% per annum (subject to change quarterly).
₹1.5 lakh per financial year across all PPF accounts.
Yes, in blocks of 5 years with or without contribution.
No, both interest and maturity amount are fully tax-free.
Yes, you can vary your annual contribution, but the total should not exceed ₹1.5 lakh/year.
Yes, because it offers stable returns, tax benefits, and long-term wealth accumulation.
No. Everyone can have only one PPF account, except for accounts opened on behalf of minors.
