PPF Calculator
Calculate PPF maturity amount with year-wise interest and EEE tax benefits.
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PPF max limit: ₹1,50,000/year
Current PPF rate: 7.1% p.a. (set by Govt. quarterly)
Min 15 years. Extendable in 5-year blocks.
Maturity Amount
₹13,56,070
After 15 years
Total Invested
₹7,50,000
Interest Earned
₹6,06,070
Tax Benefits
PPF qualifies for EEE tax treatment — investment (80C), interest, and maturity are all tax-free.
Year-wise Breakdown
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| Year 1 | ₹50,000 | ₹3,550 | ₹53,550 |
| Year 2 | ₹50,000 | ₹7,352 | ₹1,10,902 |
| Year 3 | ₹50,000 | ₹11,424 | ₹1,72,326 |
| Year 4 | ₹50,000 | ₹15,785 | ₹2,38,111 |
| Year 5 | ₹50,000 | ₹20,456 | ₹3,08,567 |
| Year 6 | ₹50,000 | ₹25,458 | ₹3,84,025 |
| Year 7 | ₹50,000 | ₹30,816 | ₹4,64,841 |
| Year 8 | ₹50,000 | ₹36,554 | ₹5,51,395 |
| Year 9 | ₹50,000 | ₹42,699 | ₹6,44,094 |
| Year 10 | ₹50,000 | ₹49,281 | ₹7,43,375 |
| Year 11 | ₹50,000 | ₹56,330 | ₹8,49,704 |
| Year 12 | ₹50,000 | ₹63,879 | ₹9,63,583 |
| Year 13 | ₹50,000 | ₹71,964 | ₹10,85,548 |
| Year 14 | ₹50,000 | ₹80,624 | ₹12,16,172 |
| Year 15 | ₹50,000 | ₹89,898 | ₹13,56,070 |
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About this tool
How to use PPF Calculator
- 1Enter your yearly PPF investment (max ₹1,50,000/year)
- 2Set the expected interest rate (currently 7.1% p.a.)
- 3Select tenure — minimum 15 years, extendable in 5-year blocks
- 4View maturity amount, total interest earned, and complete year-wise breakdown
Frequently Asked Questions
What is the current PPF interest rate?
The PPF interest rate is currently 7.1% per annum, set by the Government of India and reviewed quarterly. It has ranged between 7.1% and 8% in recent years.
What is the maximum PPF investment per year?
You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in a PPF account. Contributions beyond ₹1.5 lakh do not earn any interest.
What are the tax benefits of PPF?
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: contributions qualify for 80C deduction (up to ₹1.5L), interest earned is tax-free, and maturity proceeds are also fully tax-free.
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