EPF Calculator
Project your provident fund balance at retirement from your salary, raises and the EPF interest rate.
PPF Calculator
Enter a yearly deposit and a rate to see how your PPF could grow.
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How to use it
- Enter the yearly deposit, up to Rs 1,50,000.
- Enter the interest rate and choose 15, 20, 25 or 30 years.
- Pick yearly or monthly deposits and read the maturity value.
Questions people ask
What is the PPF deposit limit and lock-in?
You can deposit Rs 500 to Rs 1,50,000 in a financial year. The account matures after 15 years and can be extended in blocks of 5 years.
Which interest rate should I enter?
The government sets the PPF rate every quarter. 7.1% has applied for several years, but check the latest rate on the India Post or your bank's site and type it in.
Why does the deposit date matter?
Interest is worked out on the lowest balance between the 5th and the end of each month. Depositing the full year's amount by 5 April earns more than spreading it over the year.
Is PPF tax-free?
At the time of writing, deposits qualify for the old-regime 80C deduction, and the interest and maturity are exempt. Rules can change, so check before you rely on it.
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