PPF Calculator
Public Provident Fund maturity
Quick Answer — PPF Maturity
Investing ₹1.5 Lakh/year in PPF at 7.1% for 15 years gives ₹40.68 Lakh — with ₹22.5 Lakh invested. PPF is tax-free under EEE status: investment (80C), interest, and maturity are all exempt.
Maintained by: Sagar Sahni, Calc Labz | Review: formula checks, worked examples, and periodic updates
Use with care: Finance and tax outputs are planning estimates only and should be checked against current rules.
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Formula & Worked Example
The math behind the PPF Calculator
Mathematical Formula
M = P \cdot \frac{(1+r)^n - 1}{r}Step-by-Step Worked Example
Frequently Asked Questions
Common questions about the PPF Calculator
Is PPF interest taxable?
Can I withdraw from PPF before 15 years?
What is the PPF interest rate for 2026?
Can I open more than one PPF account?
What happens to PPF after 15 years?
What is the PPF Calculator?
The PPF Calculator projects the maturity value of your Public Provident Fund account over its 15-year lock-in period. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — your investment, interest, and maturity are all tax-free. Current PPF rate is 7.1% p.a. (as of 2026), and max annual investment is ₹1.5 lakh.
How to Use the PPF Calculator
- Enter Monthly Contribution: Enter your monthly contribution in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter Period: Enter your period (in years) in the input field. The calculator will validate your input automatically.
- Enter Rate: Enter your rate (in %) in the input field. The calculator will validate your input automatically.
- View Your Results: The PPF Calculator displays your results instantly in the output panel. You will see the primary result along with a detailed breakdown of secondary outputs. Scroll down for charts, interpretations, and expert advice.
Key Features
- Instant PPF calculations with real-time updates
- No signup, no registration — 100% free forever
- All calculations happen in your browser — zero data sent to servers
- Works offline as a Progressive Web App (PWA)
- Mobile-friendly responsive design
- Verified financial formulas updated for 2026
Why Use Calc Labz PPF Calculator?
The Calc Labz PPF Calculator stands out because it combines accuracy with simplicity. Unlike other online calculators, we provide detailed breakdowns, step-by-step formulas, and actionable advice alongside your results. Our financial calculators are regularly updated to reflect current rates, rules, and standards for India (2026). Whether you are a student, professional, or just need a quick calculation — Calc Labz delivers reliable results instantly.
Key Terms & Glossary
- Principal
- The original amount of money borrowed or invested, before any interest is applied.
- Interest Rate
- The percentage charged on borrowed money or earned on invested money, usually expressed per annum.
- Compound Interest
- Interest calculated on both the initial principal and previously accumulated interest — "interest on interest."
- Amortization
- The process of spreading loan repayment into equal installments over a fixed period.
- Maturity
- The date on which a financial instrument (FD, bond, PPF) reaches its full term and the principal is returned.
- CAGR
- Compound Annual Growth Rate — the smoothed annual rate of return on an investment over a specified period.
Sources & References
Our PPF Calculator uses formulas and guidelines from the following authoritative sources: