PPF Calculator 2026
Calculate your Public Provident Fund (PPF) maturity, tax savings, partial withdrawals, and loans. India's most detailed PPF planner with extension modeling.
Maturity Amount
After 15 years
Total Interest Earned
100% Tax Free
Total Invested
Under Section 80C
Effective CAGR
Real compound return
EEE Tax Savings (at 30% slab)
Tax saved under 80C: ₹6,75,000
Interest tax saved: ₹5,45,463
Total Lifetime Tax Benefit: ₹12,20,463
PPF Growth Over Time
Year-wise Breakdown
| Year | Invested (₹) | Interest (₹) | Balance (₹) | Withdraw Limit | Loan Limit |
|---|---|---|---|---|---|
| FY 2025-26 (Yr 1) | ₹1,50,000 | ₹10,650 | ₹1,60,650 | - | |
| FY 2026-27 (Yr 2) | ₹3,00,000 | ₹22,056 | ₹3,32,706 | - | |
| FY 2027-28 (Yr 3) | ₹4,50,000 | ₹34,272 | ₹5,16,978 | ₹40,163 | |
| FY 2028-29 (Yr 4) | ₹6,00,000 | ₹47,355 | ₹7,14,334 | ₹83,177 | |
| FY 2029-30 (Yr 5) | ₹7,50,000 | ₹61,368 | ₹9,25,701 | ₹1,29,245 | |
| FY 2030-31 (Yr 6) | ₹9,00,000 | ₹76,375 | ₹11,52,076 | ₹1,78,583 | |
| FY 2031-32 (Yr 7) | ₹10,50,000 | ₹92,447 | ₹13,94,524 | ₹3,57,167 | - |
| FY 2032-33 (Yr 8) | ₹12,00,000 | ₹1,09,661 | ₹16,54,185 | ₹3,57,167 | - |
| FY 2033-34 (Yr 9) | ₹13,50,000 | ₹1,28,097 | ₹19,32,282 | ₹3,57,167 | - |
| FY 2034-35 (Yr 10) | ₹15,00,000 | ₹1,47,842 | ₹22,30,124 | ₹3,57,167 | - |
| FY 2035-36 (Yr 11) | ₹16,50,000 | ₹1,68,989 | ₹25,49,113 | ₹3,57,167 | - |
| FY 2036-37 (Yr 12) | ₹18,00,000 | ₹1,91,637 | ₹28,90,750 | ₹3,57,167 | - |
| FY 2037-38 (Yr 13) | ₹19,50,000 | ₹2,15,893 | ₹32,56,643 | ₹3,57,167 | - |
| FY 2038-39 (Yr 14) | ₹21,00,000 | ₹2,41,872 | ₹36,48,515 | ₹3,57,167 | - |
| FY 2039-40 (Yr 15) | ₹22,50,000 | ₹2,69,695 | ₹40,68,209 | ₹3,57,167 | - |
Plan PPF Extensions
PPF matures at 15 years, but you can extend it in blocks of 5 years indefinitely. See the compounding magic.
How PPF Compares to Other Investments
| Investment | Maturity | Post-Tax Liability | Risk |
|---|---|---|---|
| PPF (7.1%) | ₹40.68L | ₹40.68L | Zero |
| FD (7.25%) | ₹41.21L | ₹35.60L | Very Low |
| ELSS MF (12%) | ₹62.63L | ₹57.77L | High |
| NPS (10%) | ₹52.42L | ₹46.13L | Medium |
| Sukanya (8.2%) | ₹44.76L | ₹44.76L | Zero |
PPF Calculator 2026: Plan Your Retirement with India's Safest Asset
The **Public Provident Fund (PPF)** is more than just a savings account; it is a government-backed financial fortress. Established in 1968, it remains the gold standard for long-term wealth creation in India, offering a rare combination of capital safety, tax-free returns, and protection from creditors.
In 2026, as interest rates fluctuate, our **PPF Calculator** helps you navigate the 15-year commitment with precision. Whether you are modeling your first contribution, calculating loan eligibility, or deciding on a 5-year extension block, this tool factors in the latest **7.1% interest rate** (compounded annually) and the 80C tax savings to show you the true power of long-term compounding.
The 'EEE' Advantage: Why PPF is Tax Royalty
Most investment products in India are taxable at some level. PPF is one of the few that enjoys the **Exempt-Exempt-Exempt (EEE)** status under the Income Tax Act.
Investment
Up to ₹1.5 Lakh is deductible under Section 80C.
Interest
The 7.1% annual interest is 100% tax-free.
Maturity
The final corpus is tax-free upon withdrawal.
CRITICAL: The "5th of the Month" Rule
PPF interest is calculated on the **lowest balance** in your account between the **5th and the last day** of every month. This a tiny detail that makes a massive difference over 15 years.
- ● Lump Sum Strategy: Invest your ₹1.5L before **April 5th** each year to earn interest for all 12 months.
- ● Monthly Strategy: If investing monthly, ensure the transfer happens before the 5th of every month.
Missing the 5th deadline by even 1 day can cost you ₹50,000+ in interest over the full 15-year tenure.
Withdrawals, Loans & Premature Closure
The 15-year lock-in sounds daunting, but PPF offers structured liquidity options for emergencies:
Loan Facility
Available from the 3rd to the 6th financial year. You can borrow up to 25% of the balance in the 2nd preceding year. The interest charged is just 1% above the prevailing PPF rate.
Partial Withdrawal
Allowed after the completion of 6 years (from the 7th year). You can withdraw up to 50% of the balance at the end of the 4th preceding year or the preceding year, whichever is lower.
The Power of Infinity: Indefinite PPF Extensions
Most investors think 15 years is the "end" of PPF. In reality, that is just the beginning. You can extend your PPF account for an unlimited number of **5-year blocks**.
Extension with Contributions
You must submit **Form H** before the end of one year from the date of maturity. This allows you to continue earning interest AND claim Section 80C deductions on new deposits.
Extension without Contributions
This is the default mode. If you don't take any action, the account is automatically extended. You cannot make new deposits, but your existing corpus continues to earn compounded interest and can be withdrawn 100% at any time.
PPF vs. VPF vs. NPS vs. ELSS: The 2026 Retirement Race
In the battle for your ₹1.5 Lakh 80C limit, PPF competes with several heavyweights. Here is how it stacks up in 2026:
| Asset | Expected Returns | Risk Profile | Taxation on Exit |
|---|---|---|---|
| PPF | 7.1% (Fixed) | Zero (Sovereign) | 100% Tax-Free (EEE) |
| VPF (Voluntary PF) | 8.15% (Variable) | Low | Taxed if contrib > ₹2.5L |
| ELSS (Mutual Funds) | 12% - 14% (Market) | High (Equity) | 12.5% LTCG (above 1.25L) |
| NPS (Tier 1) | 9% - 11% (Hybrid) | Moderate | 60% Tax-Free / 40% Annuity |
Withdrawal Mastery: The Year 7 Strategy
Once your PPF account enters its 7th financial year, it becomes a "Liquid Debt Fund." Many savvy investors use the partial withdrawal facility to fund major life events like a child's wedding or college fees while keeping the rest of the corpus earning tax-free interest.
Pro-Tip for Wealth Creation
"Never close a PPF account at 15 years just to spend the money. Extend it without contributions—it becomes the best Emergency Fund in India, accessible instantly and earning 7.1% tax-free!"
Historical PPF Interest Rates (1986 - 2026)
PPF rates were as high as 12% in the late 90s. While they have moderated, they still remain about 1.5% - 2% higher than inflation.
| Period | Interest Rate (p.a.) | Inflation Context |
|---|---|---|
| 1986 - 2000 | 12.00% | High Inflation Era |
| 2003 - 2011 | 8.00% | Stable Growth |
| 2016 - 2019 | 8.10% - 7.90% | De-monetization Phase |
| 2020 - 2026 | 7.10% | Digital Economy Stability |
PPF for NRIs and Minors
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Can NRIs invest?
Non-Resident Indians (NRIs) cannot open **new** PPF accounts. However, if a person opens an account while in India and subsequently becomes an NRI, they can continue to contribute until the 15-year maturity on a non-repatriation basis.
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Minor Accounts
A parent can open a PPF for their child. However, the ₹1.5L annual limit applies to the **combined** contributions of the parent and the minor together.
PPF Calculator FAQ
Is PPF safer than an FD?
Yes. While bank FDs are insured up to ₹5 Lakhs by DICGC, PPF is backed by a **sovereign guarantee** from the Government of India. Furthermore, under the PPF Act, the balance in a PPF account cannot be attached by any order or decree of a court in respect of any debt or liability.
Can I extend my PPF multiple times?
Yes. You can extend your PPF in blocks of 5 years indefinitely. You must submit Form H within one year of maturity to extend with fresh contributions.
What if I forget to invest for a year?
Your account will be "Discontinued." To reactivate it, you must pay a small penalty of ₹50 per year of default plus the minimum deposit of ₹500 for each year.
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Founder, HelpForFinance · Retirement Planner
Gaurav helps Indian retail investors build bulletproof retirement portfolios. With over 6 years in the financial lending space, he specializes in debt-instrument optimization and CA-standard tax planning.