Project your Public Provident Fund corpus over 15 years with extensions. See year-by-year growth, tax-free interest earned, and partial withdrawal eligibility.
Project your Public Provident Fund corpus over 15 years with extensions. See year-by-year growth, tax-free interest earned, and partial withdrawal eligibility.
Current PPF rate: 7.1% p.a. (Q1 FY 2025-26). Tax-free interest. EEE status — Exempt on investment, growth, and withdrawal.
Max: ₹1,50,000/year
Each = 5 additional years
Maturity Corpus
₹40,68,209
After 15 years
Total Invested
₹22,50,000
Tax-Free Interest
₹18,18,209
Wealth Multiple
1.81×
Year-by-Year Projection
| Year | Contribution | Interest | Balance | Partial WD? |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 | Not yet |
| Year 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 | Not yet |
| Year 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 | ✓ Eligible |
| Year 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 | ✓ Eligible |
* Partial withdrawal: Up to 50% of balance at end of 4th year (from Year 7). Loan facility available from Year 3 to Year 6.
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Annual deposit ₹1,50,000, Rate 7.1%, Extensions 0, Opening balance ₹0
Graphical view
Annual deposit ₹1,00,000, Rate 7.1%, Extensions 2 (10 yrs), Opening balance ₹5,00,000
Graphical view
HOW IT WORKS
Input your annual PPF contribution (maximum ₹1.5 lakh per year).
PPF matures in 15 years but can be extended in 5-year blocks. Enter number of 5-year extensions.
Get total maturity value, total interest earned (fully tax-free), and partial withdrawal eligibility by year.
FAQ
Yes — PPF has EEE tax status in India. Investment qualifies for 80C deduction (old regime), interest earned is completely tax-free, and the maturity amount is entirely tax-free. No other investment offers all three.
The government revises PPF interest rate quarterly. It has been at 7.1% since April 2020. Historical rates ranged from 7.1% to 12%. This calculator defaults to 7.1% but you can change it.
Partial withdrawals are allowed from Year 7 (the 7th financial year from account opening). You can withdraw up to 50% of the balance at the end of the 4th year preceding the withdrawal year.
Yes — after 15-year maturity, you can extend in 5-year blocks any number of times. You can extend with or without contributions. Extending with contributions continues to earn compounded tax-free interest.
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