What does the PPF Calculator do?
The PPF Calculator projects the maturity value of your Public Provident Fund account at the current government rate of 7.1% per annum. It accounts for the 15-year lock-in, shows the interest earned each year on a growth chart, and reflects the tax-free (EEE) nature of PPF returns.
Common uses
- Retirement planning — estimate the corpus you will have after the 15-year PPF lock-in
- 80C planning — see how a contribution up to 1.5 lakh per year grows under Section 80C deductions
- Tax-free returns — understand that the interest is exempt under EEE treatment
- Yearly tracking — follow the balance and interest across each year of the 15-year term
Key features
- Tax-free interest — the calculator reflects PPF's exempt-exempt-exempt (EEE) status: deposits, interest, and maturity are all tax-free
- Yearly growth chart — see the balance and interest earned at the end of every year
- 7.1% current rate — the tool uses the current government-determined PPF interest rate for a realistic projection
How it works
Enter your annual or monthly PPF contribution. The tool applies the current 7.1% per annum government rate over the 15-year lock-in, compounding interest annually on the growing balance. It shows your total contributions, total tax-free interest, and the final maturity value, with a year-by-year chart of the balance.
Verdict
The PPF Calculator turns your annual contribution into a realistic, tax-free 15-year maturity projection at the current 7.1% rate.