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PPF & EPF Calculator India 2026

Project your Public Provident Fund maturity corpus with 15-year and extension-block modeling, or your Employee Provident Fund corpus with salary hikes and VPF top-ups — including EEE tax-free status and the ₹2.5 Lakh interest tax alert.

🔀 Calculator Mode
💰 Yearly PPF Investment
₹

Statutory limit: min ₹500, max ₹1,50,000 per financial year (qualifies for Section 80C deduction).

📆 Deposit Timing

PPF interest is calculated monthly on the lowest balance between the 5th and last day of the month. Depositing before the 5th earns that month's interest; depositing after the 5th loses it.

📅 Tenure & Extension

Current Government-notified PPF rate is 7.1% p.a. (subject to quarterly revision).

✅ EEE — 100% Tax-Free (Within Statutory Limits)
⚠️ EPF Interest Tax Alert

MATURITY CORPUS
₹0
Contributions ₹0 + Interest ₹0
Employee Contribution
₹0
Employer Contribution
₹0
Total Interest Earned
₹0
Tenure
0 Years
Employee / Own Contribution₹0
Employer Contribution (EPF Portion)₹0
Employer Contribution (EPS Portion, Pension)₹0
Total Interest Earned (Tax-Free)₹0
Maturity Corpus₹0

Contributions vs Interest Earned

📐 Live Formula With Your Numbers
📊 Year-by-Year Growth Schedule
YearOpening BalanceContributionInterest CreditedClosing Balance
📤 Summary

      

        
        
        
      

    

  












  
  












How to Use This PPF & EPF Calculator


    
  
  1. Pick a mode — "PPF Calculator" for a Public Provident Fund account, or "EPF & VPF Calculator" for your salary-linked Employee Provident Fund.
    2. 
  
  2. In PPF mode, enter your yearly investment (₹500–₹1,50,000), choose your deposit timing (lump-sum, before the 5th, or after the 5th), and set any 5-year extension blocks after the mandatory 15-year term.
    3. 
  
  3. In EPF mode, enter your monthly Basic + DA, expected annual increment %, any VPF top-up, your current and retirement age, and any existing EPF balance.
    4. 
  
  4. Watch for the tax alert — if your EPF contribution (12% + VPF) exceeds ₹2.5 Lakh/year, the calculator flags the interest on the excess as taxable.
    5. 
  
  5. Check the Formula Breakdown and Year-by-Year Schedule tabs — see the exact math and how your balance grows annually.
    6. 
  
  6. Export — copy a plain-text summary, download a CSV, or generate a PDF.
    7. 




Want the full walkthrough — the EEE tax status explained, PPF's "5th of the month" rule, the EPF/EPS contribution split, VPF, and common FAQs? Read the complete PPF & EPF Explained guide on our blog.



This calculator provides estimates for general informational and educational purposes only and is not tax or financial advice. PPF and EPF interest rates are set by the Government of India and EPFO respectively and are revised periodically; actual maturity values depend on the rates in force during your investment period. The EPF interest taxation threshold and contribution rules are subject to change under the Income Tax Act and EPF Scheme notifications. Please consult a Chartered Accountant or your EPFO/PPF account statement for exact figures. Last updated: August 2026.