SwiftCalcTools

PPF Calculator — Public Provident Fund Calculator

Calculate your Public Provident Fund (PPF) maturity amount, year-wise interest, and tax savings. Plan your 15-year PPF investment.

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By SwiftCalcTools Editorial Team · Formula verified

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How to Use PPF Calculator

  1. 1Enter the required values in the input fields above.
  2. 2Click the Calculate button or results update instantly as you type.
  3. 3View your results in the output panel below the inputs.
  4. 4Adjust any values to recalculate instantly.

Frequently Asked Questions

Public Provident Fund (PPF) is a government-backed long-term savings scheme with a 15-year lock-in. It offers guaranteed returns (currently 7.1%), tax-free interest, and EEE tax status. It's ideal for risk-averse investors looking for tax-free wealth accumulation.
PPF has triple tax exemption (EEE): 1) Deposits up to ₹1.5L qualify for 80C deduction, 2) Interest earned is completely tax-free, 3) The maturity amount is tax-free. This makes PPF one of the most tax-efficient investment options in India.
Yes, you can extend in 5-year blocks indefinitely after the initial 15-year maturity. You can extend with contributions (continue depositing and earning interest) or without contributions (existing corpus continues to earn interest at current rate).
Partial withdrawal is allowed from the 7th year onwards (up to 50% of balance at end of 4th year or preceding year, whichever is lower). Full premature closure is allowed after 5 years for medical emergencies or education, with a 1% interest penalty.
The minimum annual deposit is ₹500 and maximum is ₹1,50,000 per year. You can make deposits in 1-12 instalments per year. Deposits above ₹1.5L do not earn interest and do not qualify for tax deduction.
PPF offers tax-free returns (~7.1%) with zero risk. FDs offer slightly similar rates but interest is taxable. ELSS (equity mutual funds) can give higher long-term returns (10-15%) but with market risk. PPF is best for capital protection with tax-free growth; ELSS for long-term wealth creation.