PPF calculator
The tax-free long game: 15-year Public Provident Fund.
Quick answer
A PPF calculator projects your Public Provident Fund balance over 15 years with tax-free compounding. Enter yearly deposit (₹500–₹1.5L) and the current PPF rate to see maturity — both interest and withdrawal are tax-free (EEE).
Tax-free maturity
₹1,50,000/year for 15 years, fully tax-free.
- You deposit
- ₹22,50,000
- Tax-free growth
- ₹18,18,209
PPF locks money for 15 years but the returns are completely tax-free — rare and powerful.
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
The Public Provident Fund is a 15-year, government-backed savings scheme with completely tax-free returns. One of the best safe long-term instruments in India.
How it's calculated
A fixed yearly deposit compounds annually at the PPF rate (set by the government each quarter). Both the interest and the maturity amount are tax-free (EEE status).
Common questions
- What's the PPF deposit limit?
- ₹500 minimum and ₹1.5 lakh maximum per financial year, which also qualifies for an 80C deduction under the old regime.
- Can I withdraw early?
- Partial withdrawals are allowed from year 7, and loans from year 3. Otherwise it's a 15-year lock-in, extendable in 5-year blocks.
Jargon, explained
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.