Public Provident Fund (PPF) is one of the most popular 80C investments - tax-free contributions (up to ₹1.5L/year), tax-free interest (7.1% as of FY 2025-26), and tax-free withdrawals after 15 years (the famous E-E-E status). The calculator shows your year-by-year balance, tax saved at each contribution, and the maturity amount.
When to use this
Use when: planning your 80C investment mix, deciding between PPF vs ELSS vs NPS (PPF for safety, ELSS for growth, NPS for retirement), projecting PPF maturity for a long-term goal (child's education, retirement corpus), comparing PPF returns against FD / RD alternatives.
Frequently Asked Questions
What's the max PPF contribution per year?
₹1.5 lakh per financial year per PPF account. You can have only one PPF account in your name (multiple is illegal under PPF Act). For couples, both can have separate accounts - so a family can deposit up to ₹3L/year into PPF combined (each gets their own 80C ₹1.5L cap).
Can I withdraw PPF before 15 years?
Partial withdrawal allowed from 7th financial year onwards (50% of balance at end of 4th year, or current balance, whichever is lower). Premature closure allowed in specific cases: higher education, medical treatment, or NRI status change - with a 1% interest penalty.
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