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PPF Calculator

The Public Provident Fund is one of the few investments in India that’s entirely tax-free, on the way in, while it grows, and on the way out, but its 15 year lock-in means it’s easy to lose track of what your account is actually worth. This calculator projects your PPF maturity value based on your annual contribution and the current interest rate.

What is an PPF Calculator?

A PPF calculator projects the maturity value of a Public Provident Fund account, a government-backed, long-term savings scheme with a 15 year lock-in, annual compounding, and a contribution cap of 1.5 lakh rupees per year under Section 80C. Because the interest rate is revised quarterly by the government, this calculator should let you adjust the rate for more accurate long-term projections.

Your PPF Plan

PPF is a 15-year government-backed scheme with EEE tax status — fully tax-free interest and maturity.

Min ₹500, max ₹1,50,000 per year (PPF rules).

PPF base term is 15 years (mandatory lock-in).

After year 15, PPF can be extended in 5-year blocks (with or without contributions).

Government-set, reviewed quarterly. Current rate: 7.1% p.a.

For real (inflation-adjusted) value of maturity.

For 80C tax savings estimate (your marginal tax rate including cess).

Maturity Value
₹0
—

Results Summary

Total Amount Invested
₹0
—
Total Interest Earned
₹0
Tax-free under EEE
Annual Tax Saving (80C)
₹0
Capped at ₹1.5L deduction
Total Tax Saved
₹0
Over entire tenure
Real Value (Today's ₹)
₹0
After inflation
Wealth Multiplier
—×
Maturity ÷ Total Invested

Key Insights

Year-by-Year Growth

Annual deposit at start of year; interest credited at year-end on (Opening + Deposit).

Year Opening Deposit Interest Closing Real Value Status

Advanced Metrics

Effective Yield
0%
Avg annual return on invested capital
Interest as % of Maturity
0%
Compounding’s share of final value
Doubling Time
— yrs
Exact: ln(2) / ln(1+i)

One PPF Account Rarely Tells the Whole Retirement Story

PPF is often just one piece of a family’s retirement savings, sitting alongside EPF, NPS, and mutual funds, frequently in a parent’s name or a spouse’s account that isn’t reviewed alongside everything else. Because of the 15 year lock-in, it’s especially easy to lose track of an account opened years ago and forgotten.

How WealthNest.AI Helps Beyond This Calculator

Many of WealthNest.AI‘s account types, like EPF, NPS, and Mutual Funds, connect automatically through the RBI-regulated Account Aggregator framework. PPF accounts can be added to your family dashboard alongside these, so your full retirement picture stays in one place rather than scattered across passbooks and old statements.

See this alongside every other account your family holds, all in one place. Download the WealthNest.AI app to get started.

Frequently Asked Questions

The PPF interest rate is set by the government and revised quarterly. Use the current published rate for the most accurate projection, since this calculator's default may not always reflect the latest quarter.

Partial withdrawals are allowed from the 7th financial year onward, subject to specific limits. The account can also be extended in blocks of 5 years after maturity, with or without further contributions.

Yes. PPF has EEE (Exempt-Exempt-Exempt) status, meaning your contribution, the interest earned, and the maturity amount are all tax-free, unlike most other long-term investments.

1.5 lakh rupees per financial year, which also counts toward the overall Section 80C deduction limit alongside other eligible investments.

Yes. Once added to WealthNest.AI, your PPF balance can be viewed alongside your family's EPF, NPS, and mutual fund holdings in one dashboard.