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PPF Calculator

Public Provident Fund returns with tax-free interest.

₹
%
Yrs

Scenario Analysis (Assumed Returns)

Conservative

5.1%

1,14,25,256

Base

7.1%

1,35,60,697

Higher

9.1%

1,61,42,793

Labels are estimates based on your base rate (7.1%).

Estimated Maturity Value

₹1,35,60,697

Total Principal

₹5,00,000

Estimated Returns

₹60,60,697

Portfolio Mix

Invested
Returns

Growth Curve

You invest ₹5,00,000 every month for 15 years. At an estimated 7.1% annual return, your total investment is ₹75,00,000 and the estimated total value is approximately ₹1,35,60,697. Around ₹60,60,697 represents estimated growth.

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How it works

15-year government scheme with EEE tax status. Interest is compounded annually.

The formula

Standard PPF compounding
P
Annual Deposit
r
Current PPF Rate

Worked example

₹1.5L annual deposit for 15 years builds a massive tax-free corpus.

Pro tips

  • Invest before the 5th of the month to earn interest for that month.

Common mistakes

  • Not utilizing the full ₹1.5L 80C limit.

Go deeper

Concepts to explore

EEE tax status

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.