PPF Calculator

Government-backed, tax-free, 15-year lock-in — see your maturity amount and Section 80C tax savings.

✓ All calculations happen in your browser — we never see your numbers

Annual contribution

₹

PPF interest rate

Years

Existing balance (if continuing an account)

₹

Your tax bracket (for 80C savings estimate)

PPF interest is tax-free and contributions qualify for Section 80C deduction (up to ₹1,50,000/year — verify the current limit at incometax.gov.in). This EEE (exempt-exempt-exempt) status is a significant advantage over many other fixed-income investments.

Maturity amount after 15 years

₹40.68 L

Total interest earned: ₹18.18 L (tax-free)

Total contributions

₹22.50 L

Tax saved under 80C (this year)

₹45,000

Extension scenarios

15 years: ₹40.68 L

20 years: ₹66.58 L

25 years: ₹1.03 Cr

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PPF interest rates are set by the Government of India quarterly. The rate used in this calculator may differ from the current rate. Verify the current PPF interest rate at India Post or your bank before planning. Tax benefits are subject to current Income Tax rules which may change.