India Tax & Finance
PPF calculator
Enter what you deposit and for how long. See your PPF balance at maturity and how much of it is tax-free interest, using the way PPF interest is really worked out.
- Free, no sign-up
- Runs in your browser
- Nothing uploaded
Deposit
How do you deposit?
Between ₹500 and ₹1,50,000 in a financial year.
Up to ₹12,500 a month keeps you within the yearly limit.
7.1% is the rate for October to December 2026. It can change every quarter.
15, then extensions of 5 years: 20, 25, 30 and so on.
Extras (optional)
Shows the maturity in today's money.
Result
Year-by-year balance
How it works
PPF interest is worked out every month on the lowest balance between the 5th and the end of that month. It is added to your account once a year, on 31 March, and then earns interest too.
Interest for a month = balance after the month's deposit × annual rate ÷ 12
Yearly deposit by 5 April: interest = (opening balance + deposit) × rate
Credited on 31 March and added to the balance
That is why depositing early in the year, and by the 5th of each month, gives a bigger maturity value. The account runs for 15 years and can be extended in blocks of 5 years. Deposits are limited to ₹500 minimum and ₹1,50,000 maximum in a financial year.
Frequently asked questions
What is the current PPF rate?
The rate is 7.1% a year for October to December 2026. The government announces it every quarter, so change the rate field if it moves.
Is PPF interest taxable?
Under current rules PPF interest and the maturity amount are exempt from tax. Check the latest rules or a tax adviser for your case.
Is anything sent anywhere?
No. It all runs in your browser.