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PPF Calculator

Project your Public Provident Fund maturity and tax-free interest.

Last updated: 8 Aug 2026

Quick answer

PPF is compounded annually over a 15-year term. Investing ₹1,50,000 a year at 7.1% for 15 years grows to about ₹40.7 lakh — roughly ₹18.2 lakh of tax-free interest on ₹22.5 lakh invested. Enter your yearly amount, rate and tenure above for an instant projection.

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The Public Provident Fund (PPF) is a 15-year, government-backed savings scheme with tax-free interest (currently 7.1%, revised quarterly). This calculator projects your maturity value and total interest based on your yearly contribution.

How to calculate PPF maturity

  1. 1 Enter your yearly PPF investment (up to ₹1.5 lakh qualifies for 80C).
  2. 2 Enter the interest rate and tenure (15 years standard, extendable).
  3. 3 We compound your deposits annually for the full term.
  4. 4 See your maturity amount, total invested and interest earned.

Frequently asked questions

What is the current PPF interest rate?
The PPF rate is set by the government and revised every quarter; it is 7.1% per annum at the time of writing.
Is PPF maturity tax-free?
Yes, PPF enjoys EEE status — the investment (up to ₹1.5 lakh under 80C), the interest, and the maturity amount are all tax-free.
What is the PPF tenure?
PPF has a 15-year lock-in and can then be extended in blocks of 5 years.

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