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Tax Saving

PPF Calculator

Public Provident Fund (PPF) is a 15-year, government-backed savings scheme with tax-free returns and Sec 80C deduction — one of India's safest long-term wealth builders.

₹
₹500₹1,50,000
yrs
15 yrs50 yrs
Total Invested₹22,50,000
Interest Earned₹18,18,209
Maturity Value₹40,68,209
SIP

Formula

Bal_y = (Bal_(y−1) + C) × (1 + r)

PPF interest is compounded annually at the prevailing rate (currently 7.1%).

Where

  • C= Yearly contribution (max ₹1.5 lakh)
  • r= PPF interest rate (7.1% p.a.)
  • Bal_y= Balance at end of year y

How to use the PPF Calculator

  1. 1Enter yearly contribution (max ₹1.5 lakh).
  2. 2Tenure starts at 15 years; extendable in 5-year blocks.

Why it matters

  • Triple tax exemption (EEE).
  • Sovereign guarantee.
  • Compounded annually.

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Frequently asked questions

Can I withdraw before 15 years?+

Partial withdrawals are allowed from year 7. Full withdrawal only at maturity.