✓ 7.10% p.a. sovereign yield100% EXEMPT-EXEMPT-EXEMPT (EEE) STATUS

Online PPF Calculator & Savings Planner

Estimate your annual interest accumulation, total wealth growth, and Section 80C tax-deductible benefits for the Public Provident Fund. Simulate the 15-year statutory maturity timeline or test 5-year block extension strategies to secure your long-term guaranteed wealth.

Stable Income Home/PPF Calculator

How the Public Provident Fund (PPF) Calculator Works

A PPF Calculator uses compounding interest formulas based on the quarterly small savings interest rates announced by the Ministry of Finance, Government of India. Currently, PPF yields 7.10% per annum, compounded annually on March 31st.

Our simulator operates on the legal interest computation rule: interest is calculated monthly on the lowest balance in your PPF account between the close of the 5th day and the end of the month. Therefore, making your deposits on or before the 5th of each month is highly recommended to maximize the interest accrued.

The Triple Tax Advantage: EEE Classification

Public Provident Fund is one of the rare investment vehicles in India that enjoys the prestigious Exempt-Exempt-Exempt (EEE) status under the Income Tax Act. This provides unparalleled tax optimization:

Exempt Contribution

Deposits up to ₹1,50,000 per financial year are eligible for deduction under Section 80C.

Exempt Interest Accrual

The annual compounding interest earned in the account is completely tax-free.

Exempt Withdrawal

The entire maturity proceeds (principal + interest) are 100% tax-free.

Rules & Account Ceilings to Know

Before planning your PPF ledger, understand the following statutory boundaries:

  • Deposit Limits: The minimum annual deposit is ₹500, and the maximum is ₹1,50,000 per financial year. Any amount deposited above ₹1.5 Lakhs does not earn interest and is not eligible for tax rebates.
  • Lock-in Period: PPF has a statutory maturity duration of 15 full financial years.
  • Block Extensions: Upon maturity, you can extend the account indefinitely in blocks of 5 years, with or without making additional contributions.
  • Premature Withdrawals: Partial withdrawals are allowed from the 7th financial year onward, subject to specific limits. Full premature closure is permitted after 5 years only under extreme conditions, like critical illness or higher education requirements.

Calculation Accuracy Trust Notice

Our calculators utilize the standardized formula: A = P * (1 + r/n)^(n*t) to simulate annual compounding horizons perfectly. Stable Income matches small savings manual tables with 100% integrity. Last updated: July 2026.