PPF Calculator India 2026
Calculate PPF maturity at 7.1% p.a. Tax-free returns with EEE status. Supports 15-year lock-in and extension blocks.
Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
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About PPF Calculator 2026
Calculate PPF maturity with current 7.1% interest rate. PPF has EEE tax status — investment (80C), interest, and maturity withdrawal are all tax-free. Calculate with 15-year lock-in or 5-year extension blocks.
The Public Provident Fund is a 15-year government-backed savings scheme with EEE (Exempt-Exempt-Exempt) tax status — your contribution is deductible under Section 80C, the interest earned is tax-free, and the maturity amount is also tax-free, a combination almost no other Indian investment offers. The interest rate is revised quarterly by the government and currently stands at 7.1% per annum, compounded annually. You can invest between ₹500 and ₹1.5 lakh per financial year, and the account can be extended in blocks of 5 years after maturity. Because PPF carries zero market risk and a sovereign guarantee, it's commonly used as the safe, long-term core of a retirement portfolio alongside higher-return but riskier instruments like equity SIPs. This calculator shows year-by-year growth to maturity based on current rates.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Frequently asked questions
PPF interest rate 2026?
PPF interest rate is 7.1% p.a. for 2026, compounded annually. Reviewed quarterly by Government of India.
Can I withdraw PPF before 15 years?
Partial withdrawal allowed from 7th year (up to 50% of 4th-year balance). Full premature closure only for life-threatening illness, higher education, or NRI status change.
What is EEE in PPF?
EEE means Exempt-Exempt-Exempt: investment is tax-exempt (80C), interest earned is tax-exempt, and maturity amount is tax-exempt. PPF is one of the best EEE instruments.
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