PPF Calculator – Public Provident Fund Calculator

Estimate the maturity value of your PPF account. Adjust the inputs above and results update instantly.

The Public Provident Fund (PPF) is a government-backed, long-term savings scheme with a 15-year lock-in, popular for its tax-free returns under Section 80C. Interest is compounded annually and the rate is set by the government each quarter (currently around 7.1%, subject to change).

This calculator assumes a constant yearly deposit made at the start of each year and a constant interest rate for the full tenure — actual PPF rates are revised quarterly by the government.

Frequently Asked Questions

What is the current PPF interest rate?
The PPF interest rate is set by the government every quarter, currently around 7.1% per annum. This calculator lets you enter any rate to model different scenarios.
What is the PPF lock-in period?
PPF has a 15-year lock-in period, extendable in blocks of 5 years after maturity. Partial withdrawals are allowed from the 7th year onward under certain conditions.
Is PPF interest taxable?
No. PPF falls under the EEE (Exempt-Exempt-Exempt) category — contributions, interest earned, and maturity proceeds are all tax-free.