Calculate your PPF maturity amount, year-by-year interest breakdown, total tax savings, and wealth gain over 15 years (or extended periods). Based on the current 7.1% interest rate. No login, instant results.
⚡ Calculations based on current 7.1% p.a. rate. All math runs in your browser.
The PPF (Public Provident Fund) Calculator by WorldOfTools is a free financial utility designed for Indian citizens to project the maturity value of their PPF investments. The Public Provident Fund is one of India's most popular long-term savings schemes, backed by the Government of India, offering guaranteed returns and immense tax benefits under the EEE (Exempt-Exempt-Exempt) category.
By entering your annual investment amount (up to the maximum limit of ₹1.5 Lakhs), our calculator instantly computes the total interest earned over the mandatory 15-year lock-in period, and displays the exact tax-free maturity corpus you will receive. The tool features an interactive visual pie chart to clearly illustrate the power of compounding on your government-backed savings.
Before investing, it is crucial to understand the rules governing the Public Provident Fund:
Partial withdrawals are permitted from the 7th financial year onwards, subject to specific conditions (e.g., medical emergencies, higher education). You can also avail a loan against your PPF balance between the 3rd and 6th financial year.
Yes. The Government of India (Ministry of Finance) reviews and announces the PPF interest rate every quarter. Historically, it has hovered around 7.1%. Our calculator uses the current prevailing rate by default, but allows you to adjust it for future projections.
Yes! Because the Public Provident Fund is a sovereign-backed scheme issued by the Government of India, it carries virtually zero risk. The principal and the interest are fully guaranteed, unlike equity-based mutual funds or SIPs.
To maximize your interest, it is best to invest the full ₹1.5 Lakhs as a lump sum before April 5th of the financial year. If investing monthly, ensure your deposit hits the account before the 5th of every month to earn interest for that specific month.
Absolutely. All financial calculations occur locally within your web browser using JavaScript. No investment figures are ever sent to our servers.