"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Estimate PPF maturity value from annual contributions and the interest rate.
Diya invests ₹1.5 lakh a year in PPF at 7.1% for 15 years. She contributes ₹22.5 lakh in total and the estimate shows about ₹38 lakh at maturity — fully tax-free. Extending for 5 more years grows it to roughly ₹62 lakh.
Projects annual contributions using the selected rate. PPF rates are notified by the government and may change; actual account rules and contribution timing matter.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
PPF is the gold standard for risk-free, tax-free long-term savings in India: EEE (exempt-exempt-exempt), sovereign guarantee, 15-year horizon extendable in 5-year blocks. At 7.1%, ₹1.5 lakh/year for 15 years builds ~₹41 lakh — all tax-free. It is the best 80C instrument for conservative investors. The lock-in enforces discipline; the tax-free compounding rewards it.
Not contributing the full ₹1.5L/year — you lose tax-free compounding space forever (cannot carry forward). Depositing after the 5th of the month — interest is calculated on the lowest balance between 5th and month-end; deposit by the 4th. Closing after 15 years instead of extending — extensions in 5-year blocks continue tax-free compounding. Not nominating — nominee claims are simpler than legal heir certificates.
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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