PPF Calculator

Project your PPF corpus over the 15-year lock-in.

Overview

Calculates the tax-free maturity corpus of Public Provident Fund (PPF) accounts over the statutory 15-year lock-in period at current government rates.

Formula & Calculation Method

F = P × [({(1 + i)^n} - 1) / i] × (1 + i)

P = Annual investment (up to ₹1.5 Lakhs), i = Annual PPF interest rate (currently 7.1%), n = Tenure in years (15 years minimum).

Worked Example: Max ₹1.5 Lakh Annual PPF for 15 Years at 7.1%

Inputs: Annual Deposit = ₹1,50,000 | Interest Rate = 7.1% p.a. | Tenure = 15 Years

  • Total invested capital = ₹1,50,000 × 15 = ₹22,50,000
  • Annual compounding interest accrual over 15 years
  • Final maturity corpus = ₹40,68,209

Summary: Total Invested = ₹22,50,000 | Tax-Free Interest = ₹18,18,209 | Final Corpus = ₹40,68,209

Common Use Cases

  • Retirement Foundation: Build risk-free, sovereign-backed retirement wealth with zero tax liability.
  • Section 80C Deductions: Maximize the annual ₹1.5 Lakh tax exemption under the Old Tax Regime.
  • Tenure Extension: Extend PPF in 5-year blocks after 15 years with or without fresh contributions.

Frequently Asked Questions

When should I deposit money in my PPF account each month?

Deposit between the 1st and 5th of the month, as interest is computed on the minimum balance between the 5th and month-end.

Can I extend my PPF account after 15 years?

Yes, you can extend in 5-year blocks indefinitely, either with fresh contributions or without.

Can I take a loan against my PPF balance?

Yes, loans are available from the 3rd to 6th financial year at 1% interest above the PPF interest rate.

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