Calculate Maturity Amount, Interest Earned & Total Investment. Updated with 7.1% interest rate for 2026.
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Public Provident Fund (PPF) is India's most trusted long-term savings scheme backed by Government of India. Our WealthMint PPF Calculator helps you accurately calculate your PPF maturity amount, total interest earned, and total investment over the tenure. This tool is designed for everyone from salaried employees to freelancers who want to plan their retirement with guaranteed returns.
Unlike other calculators that ask for login or show watermarks, WealthMint provides 100% free, unlimited usage PPF calculation. You can calculate for 15 years minimum tenure which can be extended in blocks of 5 years up to 50 years. The current PPF interest rate for Q2 2026 is 7.1% per annum compounded yearly.
The PPF interest is calculated using compound interest formula compounded annually. The formula is: F = P[({(1+i)^n}-1)/i] where F is maturity amount, P is annual installment, i is interest rate/100, n is number of years. Our calculator automatically applies this formula. For example, if you invest Rs 1.5 Lakh yearly for 15 years at 7.1%, your total investment is Rs 22.5 Lakh and interest is Rs 18.18 Lakh, total maturity Rs 40.68 Lakh.
Many people search for PPF calculator with monthly investment, but officially PPF allows maximum 12 deposits per year. You can invest monthly Rs 12,500 which equals yearly 1.5 lakh. The interest is calculated on the lowest balance between 5th and last day of month, so always invest before 5th.
1. 100% Accurate & Updated: We update interest rate every quarter as per government notification. 2. No Watermark Report: Download or screenshot without our logo watermark. 3. Unlimited Usage: Calculate 100 times a day, no subscription needed. 4. Mobile Friendly: Works perfectly on PC and mobile. 5. Tax Benefits Explained: PPF falls under EEE category - Exempt at investment, interest, and maturity under Section 80C.
PPF is not just a savings tool, it is a retirement planning tool. If a 25-year-old starts investing 1.5 lakh yearly till 60 years (35 years), his maturity will be over Rs 2.1 Crore with total investment of 52.5 Lakh. This power of compounding makes PPF best for long term.
Minimum investment Rs 500 per year, maximum Rs 1.5 lakh per year. Tenure is 15 years, after that you can extend with or without contribution. You can take loan from 3rd to 6th year up to 25% of balance. Partial withdrawal allowed from 7th year onwards. Account can be opened in any Post Office or authorized banks like SBI, HDFC, ICICI. Only one PPF account per individual allowed. NRI cannot open new PPF account, but existing account can continue till maturity.
For freelancers and business owners, PPF is best because it gives sovereign guarantee. No market risk like mutual funds. Interest rate is decided by government every quarter, but historically it has given 7-8% which beats inflation and FD returns post tax.
If you want guaranteed return and tax saving, PPF is best. FD gives 6-7% but interest is taxable. Mutual fund gives 12-15% but has market risk. Ideal portfolio: 40% PPF for safe, 60% mutual fund for growth. Our PPF calculator shows you safe portion of retirement corpus.
Use PPF calculator for child education planning, retirement planning, house down payment after 15 years. Always invest lump sum at start of financial year (April) to get maximum interest for full year, rather than investing monthly at end of year.