PPF Calculator
Finance & InvestmentProject a Public Provident Fund balance across the full 15-year term.
Runs entirely in your browser — nothing is uploaded
Features
- Full year-by-year table of deposits, interest and closing balance.
- Enforces the ₹1.5 lakh statutory annual cap.
- Extension beyond 15 years in five-year blocks.
- Shows the tax position — PPF is exempt at all three stages.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the PPF Calculator
- 1Enter what you deposit each year and the current PPF rate.
- 2Choose the duration — 15 years, or an extended term.
- 3Read the year-by-year table to see when the interest starts to outpace the deposits.
Frequently asked questions
How much can I put into PPF each year?
A maximum of ₹1,50,000 across all your PPF accounts combined, and a minimum of ₹500 to keep the account active. Deposits above the cap earn no interest and are simply returned, so there is nothing to gain from exceeding it.
When should I deposit to earn the most interest?
Before the 5th of April. Interest is calculated on the lowest balance between the 5th and the last day of each month, so a deposit made on the 6th earns nothing that month. Depositing the full amount early in April rather than late in March earns close to a full extra year of interest over the term.
Is PPF tax-free?
Entirely. It is exempt-exempt-exempt: the deposit qualifies for deduction under section 80C, the interest is not taxed as it accrues, and the maturity amount is not taxed either. Very few instruments in India are untaxed at all three stages.
Can I withdraw before 15 years?
Partially. From the seventh year you may withdraw once a year, limited to 50% of the balance at the end of the fourth preceding year. A loan against the balance is available between years three and six. A full exit before maturity is only allowed in specific cases such as serious illness or higher education.
What happens after 15 years?
You can withdraw everything, leave the balance to keep earning interest without further deposits, or extend in blocks of five years with fresh deposits. The extension has to be requested within a year of maturity.