PPF Calculator

Instantly project your tax-free PPF corpus using our free online PPF Calculator to see exactly how your money compounds over 15 years.

The Reality of PPF Calculator Math

PPF interest calculation is slightly different from a standard bank FD. The government calculates interest every single month based on the lowest balance in your account between the 5th and the last day of the month.

However, this calculated interest isn't actually added to your principal until the end of the financial year. This creates a kind of cycle in which the interest keeps adding up. Our Public Provident Fund calculator is designed so that interest gets added every year. This means the numbers you get from our calculator will be the same as the numbers the post office or bank shows when your Public Provident Fund matures.

The 15-Year Lock-In Rule

A PPF account comes with a strict 15-year lock-in period. You cannot close it before that. But once the 15 years are up, you have an advantage: you can extend the account in 5-year blocks indefinitely.

If you extend it without making any new deposits, your existing massive corpus continues to compound entirely tax-free. If you extend it with deposits, you keep building wealth while maintaining the tax shield.

The EEE Tax Advantage

This is where PPF beats almost every other instrument. It holds the EEE (Exempt-Exempt-Exempt) status. The money you put in (up to ₹1.5 Lakh a year) qualifies for a tax deduction under Section 80C. The interest it earns is completely tax-free. And the final lump sum you withdraw at maturity is zero-tax.