Tax tool
PPF calculator
Enter annual deposit and tenure — see tax-free maturity, interest earned, and Section 80C tax savings. Current 7.1% government rate.
Start with the free manual tool. If you want the real document view after that, analyze a statement PDF.
Free tool
PPF maturity calculator with tax savings
Enter your annual PPF deposit (up to ₹1.5 lakh), rate (default 7.1% current), and tenure (15 years minimum). The calculator shows tax-free maturity, interest earned, wealth multiplier, and 80C tax savings at 30% slab.
PPF inputs
PPF: 15-year lock-in (extendable in 5-year blocks), up to ₹1.5 lakh/year, tax-free interest, EEE status.
Min ₹500, max ₹1,50,000 per year. You deposited ₹1,50,000/year.
Current PPF rate (Jan 2026): 7.1%. Rate is reviewed quarterly by govt.
Minimum 15 years. Extendable in 5-year blocks with or without additional contribution.
₹1,50,000/year × 15 years at 7.1%. All of it is tax-free at maturity (EEE status).
₹1,50,000/year × 15 years.
7.1% compounded annually, tax-free.
Final / invested.
Under Section 80C for up to 15 years of deposits.
E — Exempt at deposit: up to ₹1.5 lakh/year deductible under Section 80C.
E — Exempt interest: annual interest accrued in PPF is tax-free.
E — Exempt at maturity: full maturity amount (principal + interest) is tax-free.
Natural next step
Are you consistently contributing?
PPF works best when deposits are consistent and near the top of the limit. Upload your bank statement to see if you're actually transferring to PPF each year — many investors under-contribute by forgetting, missing the 80C deduction.
What it gives you
Fast enough for a first pass
Each tool is intentionally narrow. The job here is a clean estimate, not a fake replacement for a full statement analysis.
Current government rate
Current government rate 7.1% as default (2026 Q1) — editable if rate changes.
Exact PPF compounding
Annual compounding matches PPF rules exactly — contributions in April earn 12 months interest.
80C tax savings shown
Section 80C tax savings at 30% slab shown alongside maturity. Helps compare to ELSS and other 80C options.
When it's useful
Calculates PPF maturity with annual compounding and tax savings. Current Indian government rate default.
Long-term savers seeking guarantees
PPF gives government-backed 7.1% tax-free returns — the highest-guaranteed long-term fixed-income option in India. Run the 15-year math to see the actual corpus.
Taxpayers optimizing Section 80C
Max out PPF (₹1.5 lakh/year) and see how much 80C deduction you're getting. At 30% slab, that's ₹45,000/year in tax saved.
Parents saving for child's education
Opening a PPF account for a minor child is common in India. 15-year corpus matures right around college entrance for a child opened in early years.
Conservative retirement planners
PPF extended in 5-year blocks post-15-year lock-in creates a 30-40 year compounding vehicle — ₹1.5 lakh/year for 30 years at 7.1% builds ~₹1.5 cr.
Deeper context
PPF in a diversified 80C strategy
₹1.5 lakh 80C limit should be split strategically.
PPF ₹50-75k: the guarantee floor
Government-backed, tax-free. Goes into 'conservative fixed-income' portion of retirement portfolio. 15-year lock-in enforces the long-horizon discipline.
ELSS ₹50-75k: the growth driver
Equity mutual funds with 3-year lock-in. Historically 12-14% CAGR. Much higher expected return but NOT guaranteed — could underperform for years.
EPF / NPS for employer match
If your employer matches EPF or NPS contributions, those already eat into your 80C limit. Factor them in before deciding PPF + ELSS amounts.
Deeper context
When NOT to use PPF
PPF isn't always the right call.
If you need liquidity
15-year lock-in is long. Partial withdrawals only from year 7. If you need access to money sooner, FD or debt mutual fund is better.
If you're under 25 with decades to retirement
With 30+ years to invest, equity mutual fund SIPs at 12% CAGR build far more wealth than PPF at 7.1%. Use ELSS or direct equity for the bulk of long-term investing.
If you're already maxing out other 80C options
EPF contributions and existing ELSS might already consume most of the ₹1.5 lakh 80C. Don't double-count.
FAQ