ZovaTool

PPF Calculator

Maturity value
$325,456.74
Total invested
$180,000.00
$1,000.00 / month
Total interest
$145,456.74
80.81%
Real (inflation-adj.)
$180,714.57
@ 4% infl

Alternative investment comparison

PPF @ 7.1%$325,456.74
Alternative @ 12%$501,039.37
Difference$175,582.63

Year-wise schedule

YearDepositInterestBalance
1$12,000.00$852.00$12,852.00
2$12,000.00$1,764.49$26,616.49
3$12,000.00$2,741.77$41,358.26
4$12,000.00$3,788.44$57,146.70
5$12,000.00$4,909.42$74,056.12
6$12,000.00$6,109.98$92,166.10
7$12,000.00$7,395.79$111,561.89
8$12,000.00$8,772.89$132,334.79
9$12,000.00$10,247.77$154,582.56
10$12,000.00$11,827.36$178,409.92
11$12,000.00$13,519.10$203,929.02
12$12,000.00$15,330.96$231,259.98
13$12,000.00$17,271.46$260,531.44
14$12,000.00$19,349.73$291,881.17
15$12,000.00$21,575.56$325,456.74

How to use the PPF Calculator

  1. Enter your annual PPF deposit (max ₹1.5 lakh under current rules) and tenure (default 15 years).
  2. Set the prevailing PPF interest rate (currently 7.1% as of last review).
  3. Read maturity value, total interest, year-wise schedule and effective tax-free return.
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Why PPF still belongs in your portfolio

PPF triple-EEE status (deduction on deposit, tax-free interest, tax-free maturity) makes its effective return higher than most fixed-income alternatives for the 30%+ tax bracket.

15-year lock-in encourages discipline; partial withdrawals are allowed from year 7, and the account can be extended in 5-year blocks indefinitely.

Interest compounds annually on the lowest balance between the 5th and last day of each month — depositing before the 5th maximises interest.