🏦 PPF Calculator

The Public Provident Fund is a government-backed, tax-free (EEE) savings scheme with a 15-year lock-in, extendable in blocks of 5 years. Interest is set quarterly by the Finance Ministry — currently 7.1% for Jul-Sep 2026, unchanged since April 2020.

Your PPF account

Annual contribution ₹, max ₹1,50,000/yr for tax benefit

Duration years (15 minimum, +5-year blocks after)

Interest rate % per year, current: 7.1%

Maturity projection

Maturity value (tax-free)

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Total invested

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Interest earned

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Year-by-year balance

Year	Contribution	Interest earned	Balance at year-end

Simplification: Actual PPF interest is calculated monthly on the lowest balance between the 5th and last day of each month, so depositing early in the month (ideally before the 5th) maximizes interest. This calculator assumes annual compounding on the full year's contribution for simplicity.

The 7.1% rate is reviewed quarterly by the Ministry of Finance and can change. Figures shown are illustrative — check the current rate before relying on this projection.