Finance
PPF Calculator India
Project a PPF balance across 15 years, and see how much of it is interest rather than what you put in.
Interactive tool
PPF Calculator India
Maturity value
₹40,68,209
Total invested
₹22,50,000
Interest earned
₹18,18,209
Choice IQ readout
PPF is tax free at every stage - contribution, interest and maturity - which is rare. At a 30% slab that makes its effective return roughly comparable to a taxable deposit paying two to three percentage points more.
- Deposit before the 5th of the month. Interest is calculated on the lowest balance between the 5th and month end.
- The Rs 1,50,000 annual cap is across all your PPF accounts, and contributions qualify under section 80C.
- After 15 years you can extend in five-year blocks, with or without further contributions.
Tool guide
How to use this ppf calculator india
PPF is one of the few Indian investments that is tax free at every stage - what you put in qualifies for 80C, the interest is untaxed, and the maturity is untaxed. That makes its headline rate worth considerably more than the same rate on a taxable deposit. This calculator compounds yearly contributions across the full term so you can see how much of the final balance is interest.
Formula
Balance each year = (previous balance + yearly investment) x (1 + rate). Repeated for the full term.
Decision guide
When to use this ppf calculator india
Best use case
Use this page when you need a quick first estimate before comparing products, lenders, subscriptions, or buying options. It is built for practical planning, not final professional advice.
Inputs needed
Keep these numbers ready: Yearly investment, PPF interest rate, Years. If you are unsure, run one conservative estimate and one optimistic estimate.
Shareable result
After calculating, use the result link to save or share the same inputs. The URL parameters keep the calculation easy to revisit.
Common examples
Readers usually use this tool for planning the full 15-year term, comparing ppf against elss for 80c, deciding whether to extend past 15 years. The best way to read the output is to compare scenarios instead of treating one result as a final answer.
How it works
PPF is one of the few Indian investments that is tax free at every stage - what you put in qualifies for 80C, the interest is untaxed, and the maturity is untaxed. That makes its headline rate worth considerably more than the same rate on a taxable deposit. This calculator compounds yearly contributions across the full term so you can see how much of the final balance is interest.
Examples
- Planning the full 15-year term
- Comparing PPF against ELSS for 80C
- Deciding whether to extend past 15 years
FAQ
Is PPF better than ELSS for 80C?
They solve different problems. PPF is guaranteed, tax free and locked for 15 years. ELSS is equity, locked for only three years, and taxed on gains above Rs 1.25 lakh. PPF suits the safe part of a portfolio; ELSS suits the growth part.
Can I withdraw from PPF before 15 years?
Partial withdrawal is allowed from the seventh year, capped at 50% of the balance at the end of the fourth preceding year. Loans are available between years three and six. Full closure before maturity is only allowed in specific cases such as serious illness or higher education.
What happens after 15 years?
You can withdraw everything tax free, or extend in blocks of five years with or without further contributions. Extending without contributing still earns interest, which is a useful option many people miss.
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