PPF Calculator
See how much your yearly PPF deposits grow over 15 years with government-set interest added each year.
How PPF grows
PPF is a government savings account that locks your money for 15 years. You add money each year (or less, or as lump sums), interest is added annually, and everything grows tax-free. At maturity, both what you invested and all the interest are completely tax-free.
The interest rate is set by the government and changes every three months. You can extend in 5-year blocks after the initial 15 years, which is why the calculator shows beyond 15 years. If you want something that's tied to markets instead of a fixed rate, check our other investment calculators.
Common questions
What's the most I can put into PPF each year?
The limit is ₹1.5 lakh per year. The minimum to keep it active is ₹500. You can contribute as a lump sum or in chunks throughout the year. This calculator assumes you put in the full amount every year.
Do I pay tax on PPF interest?
No. PPF is completely tax-free—your contribution, the interest, and what you get at maturity are all untaxed. That's one of the biggest reasons PPF is popular.
Can I take my money out before 15 years?
Partially. After 7 years you can withdraw some, and you can take a loan even earlier. But the account is designed for the full 15-year term. This calculator shows your money if you keep it invested for the full period.