PPF Calculator FREE - Public Provident Fund Calculator with Maturity 2026

💰 PPF Investment Details

Annual Investment (₹) Min: ₹500, Max: ₹1,50,000/year

Tenure (Years) Minimum 15 years, can extend in blocks of 5

PPF Interest Rate (%) Current rate: 7.1% (Q4 FY2026)

Deposit Mode

Existing PPF Balance (₹) If you already have a PPF account

🎯 Maturity Details

TAX-FREE MATURITY

₹0

Total Invested

₹0

Interest Earned

₹0

Tax Saved

₹0

Effective CAGR

📊 5-Year Milestones

🎉 EEE Status Benefits

Exempt-Exempt-Exempt: Investment deductible under 80C (₹1.5L), Interest tax-free, Maturity completely tax-free. No TDS. Triple tax benefit makes PPF unbeatable for conservative investors.

🎓 PPF Investment Strategy

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Triple Tax Benefit

EEE status = Invest up to ₹1.5L/year under 80C + Tax-free interest + Tax-free maturity. In 30% bracket, ₹1.5L investment saves ₹46,800 tax. This boosts effective returns significantly.

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Deposit Timing

Deposit before 5th of month to earn interest for entire month. Deposit on 6th? Lose that month's interest. Annual deposits? Do in April to maximize compounding. Timing adds 0.3-0.5% extra returns.

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Max Out Limit

₹1.5L/year for 15 years at 7.1% = ₹40.68L maturity. ₹18L interest is tax-free. Equivalent taxable return for 30% bracket = 10.14%. PPF beats most debt funds post-tax.

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Lock-in Benefits

15-year lock-in = Forced savings discipline. Can't withdraw impulsively. Partial withdrawal from Year 7 allowed (50% of balance 4 years ago). Loans allowed from Year 3. Lock-in = wealth accumulation.

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Family Strategy

Open PPF for self + spouse + 2 kids = ₹6L/year total investment. Tax benefit only on parent's account. But 4 accounts × ₹40L maturity = ₹1.6 crore tax-free corpus in 15 years!

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Optimal Use Case

Perfect for: Retirement planning, child's education (15+ years away), risk-averse investors, tax saving, emergency corpus. NOT for: Short-term goals, high-return seekers, liquidity needs. Know when to use PPF.

PPF Calculator

💰 PPF Investment Details

🎯 Maturity Details

📊 5-Year Milestones

🎉 EEE Status Benefits

🎓 PPF Investment Strategy

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