PPF Calculator
Public Provident Fund · 15-Year Maturity · Tax-Free EEE · Extension Calculator
Free PPF Calculator India 2026 — EEE Tax-Free Returns, Extension Calculator
This PPF Calculator computes Public Provident Fund maturity amount, year-wise growth, and exact tax savings for any investment amount and tenure. At the current 7.1% rate, investing the maximum ₹1.5 lakh per year for 15 years grows to over ₹40 lakh — completely tax-free. PPF falls under the EEE (Exempt-Exempt-Exempt) category: your investment qualifies for Section 80C deduction up to ₹1.5 lakh, interest is tax-free under Section 10(11), and maturity is fully exempt.
PPF Extension — The Power of 5-Year Blocks
After the initial 15-year maturity, you can extend PPF in 5-year blocks — either with fresh contributions or without (corpus continues earning 7.1% interest tax-free). Our extension comparison shows exactly how much more you earn if you extend 5, 10, or 15 extra years. Extending from 15 to 25 years with ₹1.5 lakh/year contributions can nearly triple your maturity amount. PPF is the best tax-free guaranteed return investment available in India — better than any FD post-tax.
Who Should Invest in PPF?
Salaried employees maximising Section 80C deductions. Self-employed professionals and business owners wanting tax-free long-term savings. Parents starting PPF for minor children (minor accounts allowed). NRIs in USA, UK, UAE, Canada who already had a PPF account before becoming NRI can continue until maturity. Retired government employees in India using PPF for tax-free interest income. Anyone comparing PPF vs NPS vs ELSS for Section 80C investment — our calculator helps you model all scenarios.
PPF Calculator – Public Provident Fund Maturity & Returns India
This PPF calculator computes maturity amount, year-wise balance and total interest earned over the 15-year lock-in period. PPF is among India's safest long-term investments — government-backed with EEE (Exempt-Exempt-Exempt) tax status. Many NRIs in the USA, UK, Canada, Australia, Germany and UAE ask resident family members to maintain their PPF accounts for tax-free compounded returns in India.
PPF Rules & Current Rate 2026
Interest rate: 7.1% p.a., compounded annually, reviewed quarterly by the government. Maximum annual deposit: ₹1.5 lakh. Minimum: ₹500/year. Lock-in: 15 years (extendable in 5-year blocks). Partial withdrawal from 7th year. Loan against PPF from year 3 to 6. Available at SBI, Post Office, HDFC, ICICI and all major nationalised banks. Note: NRIs cannot open new PPF accounts, but existing accounts can continue until maturity.
PPF vs FD vs Mutual Fund — Which Wins?
PPF at 7.1% (tax-free) vs FD at 7.5% (taxable — post-tax ≈ 5.25% at 30% slab) vs ELSS mutual fund (12%+ returns, market risk, 3-year lock-in). For conservative investors in the 30% tax bracket, PPF's effective post-tax return beats FD significantly. Compare with equivalent savings in USA (401k), UK (ISA), Canada (RRSP) or Australia (superannuation) — all have similar tax-advantaged long-term savings principles.