PPF Calculator
Calculate your PPF corpus over 15 years with year-by-year balance, total interest earned, and extension options.
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How this calculator works
PPF (Public Provident Fund) is one of the safest long-term investments in India — government-backed, tax-free returns (EEE: exempt at investment, growth, and withdrawal), and currently offering 7.1% p.a. interest. The lock-in is 15 years with partial withdrawal allowed from year 7.
PPF Balance (year n) = Balance(n-1) × 1.071 + Annual contribution | Interest credited on lowest balance between 5th and last day of each month
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Invest before 5th
PPF interest is calculated on the lowest balance between the 5th and last of each month. Invest before the 5th.
Max ₹1.5L/year
You can invest up to ₹1.5L per year in PPF, which is also your full 80C limit. Minimum is ₹500.
Extend in blocks of 5
After 15 years, extend in 5-year blocks — with or without contributions. EEE tax benefit continues.
Frequently Asked Questions
PPF interest is calculated on the lowest balance between the 5th and last of each month. Invest before the 5th.
You can invest up to ₹1.5L per year in PPF, which is also your full 80C limit. Minimum is ₹500.
After 15 years, extend in 5-year blocks — with or without contributions. EEE tax benefit continues.