PPF Calculator (Public Provident Fund)
Calculate tax-free returns and maturity on your 15-year PPF account
₹
₹ 500₹ 1,50,000
%
Years
Calculation Result100% Tax-Free (EEE)
Tax-Free Maturity Corpus
₹40,68,209
Loading visualization...
Total Invested
₹22,50,000
Total Interest
₹18,18,209
How this calculator works
1
Enter your annual investment (min ₹500, max ₹1,50,000 per financial year).
2
Set duration (standard 15 years, extendable in 5-year blocks).
3
Review the year-by-year balance progression.
Formula & Mathematics
PPF Annual Compounding Formula
Balance_{year} = (Balance_{prev} + Deposit) × (1 + r)
PPF carries an EEE (Exempt-Exempt-Exempt) tax status with annual interest compounding on deposits made before the 5th of each month.
Worked Example
Maxing out PPF with ₹1,50,000/year for 15 Years
Depositing ₹1.5 Lakhs annually at 7.1% government interest rate.
• Total Investment: ₹22,50,000
• Total Tax-free Interest: ₹18,18,209
• Maturity Value: ₹40,68,209
You receive ₹40.68 Lakhs completely tax-free at maturity.
Frequently Asked Questions
Exempt-Exempt-Exempt means investment qualifies for 80C deduction, annual interest is tax-exempt, and the final maturity amount is completely tax-free.
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