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Calculate 100% tax-free maturity amount and yearly interest on your 15-year PPF account.
100% Tax-Free under EEE status at 7.1% p.a.
Calculations follow official federal and central bank guidelines (IRS, RBI), statutory tax provisions, and standardized actuarial compounding.
Why our math is exact vs other portals →Detailed year-wise principal vs interest timeline
| Period | Invested Amount | Gains / Interest | Total Portfolio Value |
|---|---|---|---|
| Year 1 | $150,000 | $10,650 | $160,650 |
| Year 2 | $300,000 | $32,706 | $332,706 |
| Year 3 | $450,000 | $66,978 | $516,978 |
| Year 4 | $600,000 | $114,334 | $714,334 |
| Year 5 | $750,000 | $175,701 | $925,701 |
The PPF Calculator (Public Provident Fund) is built to eliminate financial ambiguity by applying exact Indian financial mathematics rather than generic, oversimplified online estimates.
Whether evaluating interest liability on bank credit, calculating compounding acceleration on systematic investments, or forecasting net post-tax maturity values, accurate forecasting ensures you never misjudge your cash flow or long-term corpus.
Compounded annually at the government-notified PPF interest rate (currently 7.1% p.a.).
Flat monthly or annual compounding estimates
Official RBI quarterly compounding [A = P(1+r/400)^4t] for bank FDs and sovereign 15-year statutory PPF rules.
In India, retail lending follows RBI guidelines on reducing balance compounding and External Benchmark Linked Lending Rates (EBLR/RLLR). Fixed deposits follow RBI quarterly compounding mandates, while mutual fund equity investments adhere to SEBI NAV timing and post-Budget 2024 capital gains tax provisions (12.5% LTCG over ₹1.25L).
Depositing max ₹1,50,000 every year for 15 years at 7.1% interest.
Total invested = ₹22,50,000. Total 100% Tax-Free interest = ₹18,18,209. Final maturity corpus = ₹40,68,209.
Benchmark guaranteed returns, taxation rules, and sovereign safety across India's premier savings instruments.
| Scheme Name | Current Interest Rate | Tenure / Lock-in | Tax Treatment | Safety Guarantee |
|---|---|---|---|---|
| Bank Fixed Deposit (FD) | 6.80% - 7.50% | 7 days to 10 years | Interest fully taxable at slab rate | DICGC Insured up to ₹5 Lakh |
| Public Provident Fund (PPF) | 7.10% (Tax Free) | 15 years lock-in | Exempt-Exempt-Exempt (EEE Status) | Sovereign 100% Guaranteed |
| Employees' Provident Fund (EPF) | 8.25% | Until retirement | Tax-free up to ₹2.5L employee contrib | Sovereign EPFO Managed |
| National Pension Scheme (NPS) | 9.5% - 11.5% (Market) | Up to age 60 | Extra ₹50k deduction under 80CCD(1B) | PFRDA Regulated |
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: 1) Investment is tax-deductible under 80C, 2) Interest earned is 100% tax-free, and 3) Maturity proceeds are completely tax-free.
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