PPF Calculator

Public Provident Fund returns calculator

Enter PPF Details

PPF Maturity Summary

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Total Invested
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Interest Earned
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Maturity Value
PPF enjoys EEE tax status -- your investment (up to ₹1.5L under 80C), interest earned, and maturity amount are all completely tax-free. Lock-in: 15 years, extendable in 5-year blocks.

Year-by-Year Breakdown

YearOpening BalanceDepositInterestClosing Balance

How Does the PPF Calculator Work?

Enter your planned yearly investment (up to ₹1.5 lakh), duration (minimum 15 years, extendable in 5-year blocks), and the current PPF interest rate (7.1% as of 2024-25). The calculator computes year-by-year growth with compound interest, showing your total investment, interest earned, and final maturity value. PPF interest is compounded annually and credited at the end of each financial year. This is one of the safest investment options in India backed by the government.

Frequently Asked Questions

What is PPF?
Public Provident Fund (PPF) is a long-term savings scheme by the Government of India. It offers tax-free returns with a 15-year lock-in period, extendable in 5-year blocks.
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (as of 2024-25), compounded annually. The rate is reviewed quarterly by the government.
What is the maximum PPF investment per year?
The maximum annual investment in PPF is ₹1,50,000. The minimum is ₹500 per year.
Is PPF tax-free?
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. The investment, interest earned, and maturity amount are all tax-free under Section 80C.

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What is a PPF calculator?

A PPF calculator projects the maturity value of a Public Provident Fund account, where interest compounds annually on the lowest balance between the 5th and the last day of each month.

PPF has a 15-year lock-in, extendable in 5-year blocks, and is EEE — contribution, interest and maturity are all tax-free. Depositing before the 5th of the month earns interest for that month.

PPF Calculator: key facts

Reference facts for the SnoopTool PPF Calculator, a free browser-based tool.
Tenure15 years, extendable in blocks of 5 years
Annual deposit limits₹500 minimum, ₹1,50,000 maximum per financial year
Tax treatmentEEE — exempt on investment, interest and maturity
Interest creditedAnnually, on the minimum balance between the 5th and month-end
Partial withdrawalAllowed from the 7th financial year, within limits

Why use the SnoopTool PPF Calculator?

How to use the PPF Calculator (step by step)

  1. Enter your yearly deposit. Type the amount you plan to invest each financial year.
  2. Set the interest rate. Use the current PPF rate notified by the government.
  3. Choose the tenure. Start with 15 years, or extend in 5-year blocks.
  4. Read the maturity value. Total invested, total interest and maturity amount are shown year by year.

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