PPF Calculator
Calculate your Public Provident Fund maturity amount. PPF offers guaranteed, tax-free returns with a 15-year lock-in period.
| Year | Deposited | Balance | Interest |
|---|
💾 Values are saved locally on your device only — never sent to any server.
PPF Calculator: Maximize Tax-Free Returns
PPF is one of India's most popular long-term savings instruments, with 4+ crore accounts. Government-backed with guaranteed returns.
How PPF Interest Works
Interest is calculated on the lowest balance between 5th and last day of each month, compounded annually. Deposit by April 5th for maximum returns.
EEE Tax Status
PPF enjoys Exempt-Exempt-Exempt status: deposit, interest, and maturity are all tax-free. For 30% tax bracket, effective return exceeds 10%.
PPF vs FD vs NPS
FDs are flexible but taxable. NPS has equity exposure but partial taxation. PPF strikes the balance.
PPF in FIRE Strategy
For FIRE aspirants, PPF can form the safe 20-30% of your portfolio. Max out ₹1.5L then invest the rest in equity SIPs.
Track PPF with Vitta
Set deposit reminders with Vitta, our free expense tracker for India.
Frequently Asked Questions
What is PPF?+
PPF is a government-backed scheme with 15-year lock-in, 7.1% interest, tax-free returns, and ₹1.5L annual 80C deduction. Ideal for conservative investors.
What are PPF deposit limits?+
Minimum ₹500/year, maximum ₹1,50,000/year. Deposit before the 5th of each month to earn interest for that month.
Can I withdraw before 15 years?+
Partial withdrawals from year 7 onwards (up to 50% of year-4 balance). Loans against PPF from years 3-6. Full withdrawal only at maturity.
Can PPF be extended?+
Yes, in 5-year blocks indefinitely. You can extend with continued deposits (keep claiming 80C) or without further deposits.
PPF vs ELSS for tax saving?+
PPF: guaranteed 7.1% tax-free, 15-year lock-in. ELSS: potentially 12-15% returns, market risk, 3-year lock-in, LTCG taxable.