PPF Calculator 2026 - PPF Maturity Calculator
Calculate PPF maturity amount with current 7.1% interest. Best Post Office & SBI PPF Calculator 2026 for tax-free returns.
What is PPF Calculator? PPF Maturity Calculator 2026
PPF Calculator is a free tool to calculate your Public Provident Fund maturity amount. Our PPF maturity calculator 2026 uses current PPF interest rate 7.1% compounded annually. It tells you your total investment, interest earned tax-free and final maturity amount for Post Office PPF, SBI PPF, HDFC and ICICI PPF. This is best for retirement planning, 80C tax saving and long term wealth creation.
PPF Calculator Example - Rs. 1.5 Lakh for 15, 20, 25 Years
- 15 Years: Invest Rs.22.5L = Get Rs.40.68L (Interest Rs.18.18L)
- 20 Years (with extension): Invest Rs.30L = Get Rs.66.58L
- 25 Years: Invest Rs.37.5L = Get Rs.1.03 Crore
This shows power of compounding in PPF. 10 saal extra se 60 lakh ka fark.
PPF vs FD vs ELSS - Which is Better for 2026?
| Feature | PPF | Bank FD | ELSS Mutual Fund |
|---|---|---|---|
| Interest | 7.1% Fixed | 6.5-7.5% | 12-15% Expected |
| Tax (EEE) | Tax Free | Taxable | Tax on Gain >1L |
| Risk | Govt. Risk Free | Low Risk | Market Risk |
| Lock-in | 15 Years | 5 Years | 3 Years |
| Best For | Safe Retirement | Short Term | High Growth |
Conclusion: If you want safe, tax-free, guaranteed return investment, PPF is king. If you want high return, mix PPF + ELSS. Use our SIP calculator and PPF calculator together for best financial planning.
PPF Withdrawal Rules, Loan & Extension - 2026 Update
1. PPF Withdrawal: Partial withdrawal allowed from 7th year, up to 50% of 4th year balance.
2. PPF Loan: Loan available from 3rd to 6th financial year at 1% above PPF rate. Best low-interest loan.
3. PPF Extension: After 15 years, you can extend in 5-year blocks with or without fresh deposit. This is best trick for crorepati PPF.
4. PPF Account for Minor: Parents can open for child, great for child education planning.
5 Proven Tips to Maximize PPF Returns
1. Always deposit before 5th April / 5th of month.
2. Invest Rs.1.5 Lakh lumpsum in April first week for full year interest.
3. Extend after 15 years to become crorepati.
4. Open PPF for wife + kids for family tax saving upto Rs.4.5 Lakh.
5. Use PPF + SIP combo for retirement corpus.
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