--- title: PPF Calculator canonical_url: https://sanchaykaro.com/ppf-calculator/ last_updated: 2026-06-20T04:39:18+00:00 plugin_version: 1.2.3 --- # PPF Calculator PPF Calculator 2026 — Calculate PPF Maturity, Interest & Tax Savings | Sanchay Karo Government-Backed · Section 80C · EEE Tax Status PPF Calculator ============== See exactly how your yearly Public Provident Fund deposit compounds into a guaranteed, tax-free corpus — plus how much tax you save along the way. Current PPF Rate: 7.1% p.a. (Apr–Jun 2026) Your PPF Details ---------------- Yearly Investment₹1,50,000 Min ₹500 — Max ₹1,50,000 per financial year. Investment Tenure15 years 15 yrs 20 yrs 25 yrs 30 yrs 35 yrs 40 yrs PPF locks in for 15 years, then extends in 5-year blocks. PPF Interest Rate7.1% Revised quarterly by the Finance Ministry; current rate is 7.1%. Your Income Tax Slab30% 0% 5% 20% 30% \*Includes 4% health & education cess (old tax regime, for 80C benefit). Calculate ResetYour PPF Outcome ---------------- Maturity Value (Tax-Free Corpus) ₹0 Total Invested₹0 Interest Earned₹0 Tax Saved (80C) ₹0 Across the full tenure, at your slab rate Equivalent FD Rate Needed 0% A taxable FD would need this rate to match PPF ### Corpus Growth vs. Amount Invested View Year-wise Breakdown YearOpening BalanceDepositInterestClosing Balance PPF Calculator — Frequently Asked Questions ------------------------------------------- Everything you need to know before you start, extend, or plan around your PPF account. ### What is the current PPF interest rate? 7.1% per annum for the April–June 2026 quarter, compounded yearly. The rate is reviewed every quarter and has been unchanged since April 2020. ### Is PPF interest and maturity taxable? No. PPF carries EEE status — your deposit is deductible under Section 80C, the interest is tax-free, and the maturity amount is tax-free too. ### What is the PPF lock-in period? 15 years from account opening. After that, you can extend in blocks of 5 years, with or without making further deposits. ### What are the deposit limits? Minimum ₹500 and maximum ₹1,50,000 per financial year, deposited as a lump sum or in up to 12 instalments. ### Can I withdraw before maturity? Partial withdrawals are allowed from the 7th financial year. Premature closure is allowed only for specific reasons like medical emergencies or higher education, with a 1% interest reduction. ### Is PPF better than a Fixed Deposit? PPF's tax-free, sovereign-backed return often beats an equivalent taxable FD once you factor in tax on FD interest — see the "Equivalent FD Rate" insight above for your own numbers. ### Track PPF Alongside Your SIPs The [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "Sanchay Karo") app helps you track PPF, ELSS, and mutual fund goals side by side — so your tax-saving and wealth-building plans stay in one place. [ ](https://apps.apple.com/in/app/sanchay\u2013karo/id6755289848)[ ![Sanchay Karo app home screen](https://sanchaykaro.com/wp-content/uploads/2025/11/Home.jpeg) ](https://apps.apple.com/in/app/sanchay\u2013karo/id6755289848) This calculator provides estimates only; actual PPF returns depend on the government's quarterly rate notifications. Mutual fund investments are subject to market risk. SanchayKaro.com (ARN-301757) — AMFI Registered Mutual Fund Distributor.