PPF Calculator — your tax-free maturity
Enter what you put into PPF each year and for how long. See the maturity at the current rate, year by year, and what it is worth after inflation.
What you get back
- Your deposits₹22,50,00055%
- Interest₹18,18,20945%
| Year | Deposited | Balance |
|---|---|---|
| 1 | ₹1,50,000 | ₹1,60,650 |
| 2 | ₹3,00,000 | ₹3,32,706 |
| 3 | ₹4,50,000 | ₹5,16,978 |
| 4 | ₹6,00,000 | ₹7,14,334 |
| 5 | ₹7,50,000 | ₹9,25,701 |
| 6 | ₹9,00,000 | ₹11,52,076 |
| 7 | ₹10,50,000 | ₹13,94,524 |
| 8 | ₹12,00,000 | ₹16,54,185 |
| 9 | ₹13,50,000 | ₹19,32,282 |
| 10 | ₹15,00,000 | ₹22,30,124 |
| 11 | ₹16,50,000 | ₹25,49,113 |
| 12 | ₹18,00,000 | ₹28,90,750 |
| 13 | ₹19,50,000 | ₹32,56,643 |
| 14 | ₹21,00,000 | ₹36,48,515 |
| 15 | ₹22,50,000 | ₹40,68,209 |
🎈 In today’s money at 6% inflation
Track your real investments: import your CAS statement once and Spendly shows every fund’s value and XIRR, kept up to date.
Track my investments →How it is calculated
You can deposit ₹500 to ₹1.5 lakh in a financial year. Interest is worked out on the lowest balance between the 5th and the end of each month and credited once a year — so a deposit made by 5 April earns interest for the whole year, which is what the calculator assumes.
The account runs 15 years and can be extended in blocks of five. The rate is set by the government every quarter: 7.1% for October–December 2026, unchanged since 2020. Deposits qualify for 80C in the old regime, and the interest and maturity are tax-free.
Balance at year end = (balance + deposit) × (1 + rate) Repeated for every year; maturity = balance after the last year
Questions
What is the PPF interest rate now?
7.1% a year for October–December 2026. The government reviews it every quarter.
Can I withdraw from PPF before 15 years?
Partial withdrawals are allowed from the seventh financial year. You can also take a loan against PPF from the third to the sixth year.
Is PPF better than an FD?
PPF interest is tax-free and FD interest is taxed at your slab, so PPF usually wins after tax — but your money is locked in for 15 years.
Should I deposit monthly or once a year?
Once a year by 5 April earns the most interest. Monthly is fine too: deposit by the 5th of each month.
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