Calculate your Public Provident Fund maturity corpus and total interest earned. Plan your tax-free savings with confidence.
Enter the amount you invest in PPF each year. Maximum is ₹1,50,000 per year.
Enter the current PPF rate (7.1% p.a.) and tenure in years — minimum 15 years.
Instantly see your maturity corpus, total amount invested, and total interest earned tax-free.
The ToolCentrix PPF Calculator helps Indian investors calculate the maturity corpus of their Public Provident Fund account based on annual contributions, current interest rate, and investment tenure. PPF is one of India's most popular long-term savings instruments due to its government backing, tax benefits, and guaranteed returns.
What is PPF? Public Provident Fund is a government-backed savings scheme introduced in 1968. It offers an interest rate set by the Ministry of Finance (currently 7.1% p.a., compounded annually), a 15-year lock-in period, and EEE (Exempt-Exempt-Exempt) tax status — meaning contributions qualify for Section 80C deduction, interest is tax-free, and the maturity amount is tax-free.
PPF investment limits: The minimum annual contribution is ₹500 and the maximum is ₹1,50,000. Amounts above ₹1,50,000 do not earn interest. Contributions can be made in one lump sum or in up to 12 instalments per financial year. Investing before the 5th of each month maximises interest earned for that month.
Extension after maturity: After the 15-year period, you can extend your PPF account in blocks of 5 years — either with fresh contributions (and continue earning interest) or without contributions (where the existing balance continues to earn interest). This flexibility makes PPF useful for both 15-year and 20–25 year savings goals.
Partial withdrawals and loans: PPF allows partial withdrawal from the 7th year onward (up to 50% of the balance at the end of the 4th year). Loans against PPF are available from the 3rd year up to the 6th year of the account.
This calculator uses the standard annual compounding formula for PPF. The current interest rate is 7.1% p.a. — always verify the latest rate from the official government portal before making investment decisions.