PPF Calculator (Public Provident Fund)
Calculate PPF maturity amount and interest earned under the 15-year statutory scheme with current 7.1% interest rate.
Adjust Inputs
Real-Time UpdateMax ₹1,50,000 per financial year
Guaranteed returns after 15 years
Deposited at ₹1,50,000/year
100% exempt from income tax
Visual Breakdown
Interactive GraphicDetailed Breakdown & Amortization Schedule
Showing 10 of 15 periods
| Year | Annual Deposit | Total Invested | Interest Credited | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| Year 2 | ₹1,50,000 | ₹3,00,000 | ₹22,056 | ₹3,32,706 |
| Year 3 | ₹1,50,000 | ₹4,50,000 | ₹34,272 | ₹5,16,978 |
| Year 4 | ₹1,50,000 | ₹6,00,000 | ₹47,355 | ₹7,14,333 |
| Year 5 | ₹1,50,000 | ₹7,50,000 | ₹61,368 | ₹9,25,701 |
| Year 6 | ₹1,50,000 | ₹9,00,000 | ₹76,375 | ₹11,52,076 |
| Year 7 | ₹1,50,000 | ₹10,50,000 | ₹92,447 | ₹13,94,523 |
| Year 8 | ₹1,50,000 | ₹12,00,000 | ₹1,09,661 | ₹16,54,184 |
| Year 9 | ₹1,50,000 | ₹13,50,000 | ₹1,28,097 | ₹19,32,281 |
| Year 10 | ₹1,50,000 | ₹15,00,000 | ₹1,47,842 | ₹22,30,123 |
- PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: Contributions are deductible under 80C, interest is tax-free, and maturity amount is tax-free.
- Deposits must be made on or before the 5th of each month to earn interest for that full month.
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Understanding the PPF Calculator (Public Provident Fund)
This calculator provides real-time, mathematically verified computations for Indian tax payers, investors, and businesses. All algorithms are calibrated to Indian statutory standards including the Income Tax Act 1961, CGST Act 2017, and standard banking annuity models.
How It Works
- Enter your baseline financial values using the input fields or interactive sliders.
- Observe instant changes in the summary metrics and visual breakdown charts without page reloads.
- Review the year-by-year or month-by-month amortization schedule for long-term clarity.
- Export your results via CSV or print a clean summary for your tax consultant or accountant.
Ministry of Finance Small Savings Schemes (7.1% annual compounding)
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