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🏦 PPF Calculator 2025

Monthly-accurate calculation • Tax benefits • Min vs Max • Legacy planning

✅ Current PPF Interest Rate: 7.1% p.a. (Q4 FY 2024-25)
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Calculate PPF
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Min vs Max
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Tax Benefits
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Legacy Planning

PPF Investment Details

Min: ₹500 Max: ₹1,50,000
Minimum: 15 years (Lock-in period)
Current rate: 7.1% (Q4 FY 2024-25)

📚 About PPF (Public Provident Fund)

Key Features

  • • Government-backed, 100% safe investment
  • • Lock-in period: 15 years (extendable)
  • • Minimum deposit: ₹500/year
  • • Maximum deposit: ₹1,50,000/year
  • • Interest rate: 7.1% p.a. (Q4 FY 2024-25)
  • • EEE status: Tax-free at all stages

Who Should Invest?

  • • Risk-averse investors seeking guaranteed returns
  • • Those looking for long-term wealth creation
  • • Investors wanting tax benefits (80C)
  • • Parents planning for children's future

Important Rules

  • • Partial withdrawal allowed after 7th year
  • • Loan facility available from 3rd to 6th year
  • • Can be extended in blocks of 5 years after maturity
  • • One account per person (adult)
  • • Can open for minors (guardian managed)

Pro Tips

  • • Deposit before 5th of month for that month's interest
  • • Maximize ₹1.5L deposit for best returns
  • • Open early in financial year for compounding benefit
  • • Consider for your child starting at young age

🔒 Your Privacy Matters

100% Browser-based calculations: All your financial data (age, salary, contributions) stays in your browser. Nothing is sent to our servers.

Optional analytics: We use Google Analytics (with IP anonymization) only if you consent. This helps us improve the tool. Your calculation data is never included in analytics.

Ads support: We show Google AdSense ads to keep this tool free. Ads are contextual and don't use your calculation data.

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