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PPF Calculator

PPF Calculator

What will your PPF be worth at maturity?

₹
%
yrs
%
Maturity value
₹0
after 15 years
Total invested
₹0
Interest earned
₹0
Inflation-adjusted maturity
0
in today's money
How the maturity value breaks down
The maturity value above is already your post-tax figure — PPF is fully exempt-exempt-exempt (EEE), so no tax, no TDS, nothing to deduct.

Assumes the full annual amount is deposited at the start of each financial year (the best case for interest) and compounded annually at a constant rate for the whole tenure. PPF's actual rate is set by the government every quarter and can change year to year — update the rate slider whenever it does.

Tax: PPF is one of the very few EEE instruments left: the deposit qualifies for 80C (old regime, up to ₹1.5L/yr), the interest accrues completely tax-free, and the entire maturity is tax-free too — no TDS, and it doesn't even need to be offered to tax. Under the new regime you lose the 80C deduction on the way in, but the interest and maturity stay tax-free either way. That makes PPF's effective pre-tax-equivalent yield for a 30%-slab investor roughly 1.45× the headline rate when comparing against an FD.

What to work out next

Post-tax Yield Comparator

FD vs debt fund vs equity fund vs PPF/SSY, ranked after tax.

FD vs Debt Mutual Fund Calculator

Guaranteed slab-rate tax, or market-linked slab-rate tax.

Inflation Calculator

See what today's rupee is worth years from now.

TDS Calculator

Work out the TDS a bank deducts on your FD/RD interest.

Emergency Fund Calculator

Size your safety net and see how fast you can build it.

FD Calculator

Work out what a fixed deposit matures to.

Frequently asked questions

Is a fixed deposit still worth it compared to other options?

It depends on your goal -- fixed deposits offer safety and a guaranteed return, which suits short-term goals or emergency funds, but their returns often barely keep pace with inflation after tax. For long-term goals, market-linked options have historically outperformed fixed deposits, at the cost of guaranteed safety.Read more: PPF Rates: The Formula the Government Ignores

What's the difference between simple and compound interest?

Simple interest is calculated only on the original principal for the entire period. Compound interest is calculated on the principal plus any interest already earned, so the amount it's calculated on grows over time. Compounding produces a meaningfully larger result the longer the money is invested.Read more: Sukanya Samriddhi Yojana Calculator: Save for Your Daughter

How much emergency fund should I keep?

A common guideline is 3-6 months of essential expenses in an easily accessible account, though this varies by job stability, dependents, and other safety nets available to you. It should be liquid and low-risk, not invested for growth, since the point is availability when you need it, not returns.Read more: PPF Calculator: Maturity of a 15-Year Investment

Are savings account returns taxable?

Generally, yes -- interest earned is typically taxable as regular income, though some jurisdictions offer a small exemption threshold on savings interest specifically. Check the current rule where you file, since this is one of the more frequently adjusted thresholds.Read more: Your NBFC Fixed Deposit Has Zero Government Insurance — Unlike a Bank FD

Estimates only, not financial advice. See our Disclaimer.