PPF Calculator India — Maturity & Returns
Calculate Public Provident Fund maturity with year-by-year breakdown, withdrawal rules, and loan eligibility at 7.1% rate.
Last updated: June 2026
Based on Indian tax/labour law — PPF rules, FY 2026-27
Total Invested
₹22,50,000
Interest Earned
₹18,18,209
Maturity Value
₹40,68,209
≈ Tax saved (30% slab)
₹6,75,000
Maturity: ₹40.7 lakh
| Year | Investment | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
Partial withdrawal: From Year 7 (FY 2032-33), withdraw up to 50% of balance at end of Year 4 — once per financial year.
Loan against PPF: Between Year 3 and Year 6 (FY 2028-29 to FY 2031-32), borrow up to 25% of balance at end of Year 2.
Year-by-year
Full balance table each year
EEE status
Tax-free interest and maturity
Govt backed
7.1% Q2 FY2026-27 rate
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About PPF Calculator
Our free PPF Calculator projects maturity value, total interest earned, and a year-by-year balance table for Public Provident Fund accounts in India.
Includes partial withdrawal eligibility (from year 7), loan against PPF rules (years 3–6), and 5-year extension block simulation for tenures beyond 15 years.
Uses current 7.1% rate (Q2 FY 2026-27) — editable for future rate changes. No signup, runs entirely in your browser.
Read the full guide: PPF calculator India — returns, interest & maturity guide
When Should You Use the PPF Calculator?
Retirement planning
Project PPF corpus at 15, 20, or 30 years with annual investments.
80C planning
See tax saved on PPF investments under old regime (EEE status).
Withdrawal planning
Check when partial withdrawal becomes eligible and maximum amount.
Loan planning
Understand loan against PPF eligibility window and limits.
Extension planning
Model 5-year extension blocks after initial 15-year lock-in.