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.
Add PPF Calculator to your website
Embed this free PPF Calculator on your site or blog. Just copy the code below, paste it into your page, and your visitors can use the calculator without leaving your site.
The widget is responsive and works on WordPress, Squarespace, Wix, Webflow, and any HTML page. You can adjust the width and height in the code above.