PPF + EPF Calculator
PPF Inputs
Adjust your PPF investment parameters
Max ₹1,50,000/year as per Govt limit
Current: 7.1%, govt revises quarterly
PPF maturity 15Y, extendable by 5Y blocks
Already have PPF? Enter current balance
For retirement planning
PPF Maturity Amount
After 15 years
Growth Over Time
See how your PPF grows with compound interest
Extension Scenarios 🚀
Extend PPF after 15 years to become Crorepati
💡 Extend PPF in 5-year blocks after 15 years to maximize tax-free returns
Loan & Withdrawal Eligibility
PPF allows loans and partial withdrawals
Loan available only from 3rd to 6th year
You can withdraw up to 50% of balance (once per year)
Yearly Breakdown
Detailed year-by-year breakdown
Understanding PPF, EPF, and VPF
What is PPF Interest Rate Today?
PPF (Public Provident Fund) interest rate is 7.1% per annum for Q1 FY 2026-27 (April-June 2026), as announced by Ministry of Finance. The rate has been unchanged since April 2020 at 7.1%. The government revises PPF rates quarterly, with next revision expected in July 2026.
How to Calculate PPF Maturity for 15 Years?
PPF maturity calculation: If you invest ₹1,50,000 per year for 15 years at 7.1% interest (compounded yearly), your maturity amount will be approximately ₹40,68,209. The formula is compound interest: Closing Balance = (Opening Balance + Deposit) × (1 + Rate/100). PPF allows extension in 5-year blocks after 15 years.
PPF Loan and Withdrawal Rules
Loan: Available from 3rd to 6th financial year, up to 25% of balance at end of 2nd year, at PPF rate + 1% (currently 8.1%).
Withdrawal: Partial withdrawal allowed from 7th year onwards, up to 50% of balance once per year.
What is EPF Interest Rate FY 2024-25?
EPF (Employee Provident Fund) interest rate is 8.25% per annum for FY 2024-25, as declared by EPFO in February 2025 and credited in August 2025. This is the highest rate in 3 years. The rate for FY 2025-26 is expected to be announced in February/March 2026, likely to remain at 8.25%.
EPF Calculation: Employee vs Employer vs EPS Split
Employee Contribution: 12% of Basic+DA (mandatory minimum)
Employer Contribution: 12% split as:
- 8.33% to EPS (Pension Scheme) - capped at ₹15,000 salary = max ₹1,250/month
- 3.67% to EPF account
EPS Pension Calculation
EPS pension formula: (Pensionable Salary × Service Years) / 70
Pensionable salary is capped at ₹15,000. For example, 35 years service with ₹15,000 salary: Pension = (15,000 × 35) / 70 = ₹7,500/month lifelong after retirement.
PPF Rate History (2016-2026)
| Period | Rate | Change |
|---|---|---|
| Q1 FY 2026-27 | 7.1% | Unchanged |
| Q4 FY 2025-26 | 7.1% | Unchanged |
| Q3 FY 2025-26 | 7.1% | Unchanged |
| Q2 FY 2025-26 | 7.1% | Unchanged |
| Q1 FY 2025-26 | 7.1% | Unchanged |
| FY 2024-25 | 7.1% | Unchanged |
| FY 2023-24 | 7.1% | Unchanged |
| FY 2022-23 | 7.1% | Unchanged |
| FY 2021-22 | 7.1% | Unchanged |
| FY 2020-21 | 7.1% | Unchanged |
Tax Benefits: PPF vs EPF vs FD
PPF: EEE status - Investment (₹1.5L max under 80C), Interest, and Maturity all 100% tax-free.
EPF: EEE status if continuous service ≥ 5 years. Employee contribution (80C), Interest, and Maturity tax-free.
VPF: Same as EPF - fully tax-free (within 80C limit for deduction, but entire corpus tax-free).
FD: Interest is fully taxable as per your income slab. TDS deducted if interest > ₹40,000/year.
Result: PPF and EPF give significantly better post-tax returns than FD, especially for higher tax brackets (30%).
Tips for Maximum Retirement Corpus
- Deposit before 5th: In PPF, deposit before 5th of month to earn full month interest
- Max PPF yearly: Invest ₹1,50,000 per year (April is best for max interest)
- Add VPF: If salaried, add 5-10% VPF beyond mandatory 12% EPF - same 8.25% interest, tax-free
- Extend PPF: After 15 years, extend PPF in 5-year blocks to become crorepati (₹1Cr+)
- Don't break EPF: Keep EPF continuous for 5+ years to get full tax exemption
- Salary hikes matter: Higher salary = higher EPF = bigger retirement corpus (compounding effect)