PPF Calculator - Kalkulator online gratis

1. 1

   Enter your annual PPF contribution. Maximum allowed is ₹1,50,000 per financial year.

2. 2

   Enter the current PPF interest rate. The Government of India revises this every quarter; the default is 7.1%.

3. 3

   Enter the tenure. The minimum lock-in is 15 years; you can extend in 5-year blocks (with or without further deposits).

4. 4

   View the maturity, total deposit, and total interest at the end of the tenure.

5. 5

   Open the year-wise schedule to see your PPF balance grow each financial year.

PPF is a long-term, government-backed savings scheme available to Indian residents. Contributions are tax-deductible under Section 80C, the interest is tax-free, and the maturity amount is tax-free (EEE category). Interest is calculated on the lowest balance between the 5th and the last day of every month, then credited annually on 31 March. Deposits made on or before the 5th of a month earn interest for that month.

• Salaried employees in the 30% tax bracket who have already exhausted their EPF and want to use the remaining 80C limit on a guaranteed, tax-free product. PPF beats almost any alternative in the same risk category.
• Self-employed professionals and freelancers - for whom EPF is not automatic - use PPF as their default retirement-grade savings instrument, supplementing it with NPS and ELSS.
• Parents opening a PPF in a minor child's name to use the child's basic exemption limit and accumulate a long-horizon corpus for higher education. The combined family contribution limit (parents + minor's account) is still ₹1.5 lakh.
• Senior citizens who already have PPF at maturity often opt for the 'without contribution' extension to keep earning the tax-free PPF rate on a corpus they'd otherwise have to redeploy elsewhere.

• Depositing after the 5th of a month. You lose a full month of interest for the entire deposit - a real cost on lump-sum contributions.
• Treating PPF as an emergency fund. The 15-year lock-in is real, and partial withdrawals only become available from year 7 with strict caps.
• Forgetting to extend at maturity. The default at year 15 is to close the account; if you don't actively elect extension, you lose a free option of continued tax-free compounding.
• Splitting contributions across multiple PPF accounts. A person can have only one PPF (plus optionally one for each minor child); banks and post offices flag duplicate accounts and you may forfeit interest on the duplicate.
• Counting the employer's PF contribution against your PPF limit. EPF and PPF are separate; employer contribution doesn't reduce your PPF eligibility.

• Always make a single lump-sum contribution between April 1 and April 5 - this earns the maximum interest possible for the year.
• Open a PPF as early in life as possible, even with the minimum ₹500. Once the account is running, you've started the 15-year clock and can ramp up contributions later.
• If you're in a high tax bracket and already filling 80C with EPF, PPF gives no additional 80C benefit - but the tax-free interest still beats most alternatives, so it remains a useful debt-asset bucket.
• When the PPF rate changes mid-year, the new rate applies from the date of the notification - older interest on prior months stays at the older rate.
• Pair PPF with the NPS calculator on this site to model the combined Section 80C and 80CCD(1B) tax saving stack.