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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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A PPF calculator compounds each annual contribution once a year at the rate you enter and adds the balances across the term. For example, ₹1,50,000 a year for 15 years at 7.1% projects ≈ ₹40,68,209 on ₹22,50,000 deposited — the power of a long, uninterrupted run. PPF interest is calculated on yearly balances and credited at year end.
Enter a yearly amount within the deposit ceiling, the current notified rate, and the years (15 for the base term). Two practitioner details matter: the government revises the rate periodically, so re-check it rather than trusting memory; and because interest counts monthly balances, depositing early in April puts the full year's contribution to work instead of idle months.
It does not enforce the annual deposit ceiling, track historical rate cuts, or model extensions in 5-year blocks after maturity — enter a compliant yearly amount and treat the balance as a planning sketch.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Under current rules PPF is in the exempt-exempt-exempt category, but tax law changes. The tool only projects the balance; confirm the tax position for your year with a professional.
No. Enter a yearly amount within your own eligible limit.
You can extend in 5-year blocks, with or without fresh contributions. This page models one continuous run at one rate — extend by re-running with the remaining balance as a lumpsum plus new deposits.
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