7 Best PPF Calculators Online for 2026
We tested every popular PPF calculator for accuracy, yearly breakdown, and tax info. Here's which ones get the maturity value right.
PPF (Public Provident Fund) is one of India's most popular long-term savings instruments — and for good reason. It offers guaranteed returns at 7.1% with EEE tax status, meaning your investment, interest, and maturity are all completely tax-free.
But when you Google "PPF calculator," you get dozens of results — and they don't all work the same way. Some use the wrong formula, some don't show yearly breakdowns, and most give you just one number with no visual context of how your money grows over 15+ years.
We tested 7 PPF calculators with identical inputs — ₹1,50,000 yearly deposit, 7.1% rate, 15 years — and compared their results. The correct maturity value is ₹40,68,209.
Quick Verdict
- Best overall: ITR Stats — real-time results, interactive charts, year-by-year table, EEE tax badge, dark mode
- Best for bank-specific info: Groww — links to SBI, HDFC, Post Office PPF account pages
- Best for tax planning: ClearTax — PPF calculator integrated with 80C deduction planning
- Quickest estimate: BankBazaar — simple, fast, no-frills
What We Tested
For each calculator, we checked:
- Formula accuracy — uses correct PPF formula: FV = P × (1+r) × [(1+r)^n - 1] / r
- Current rate (7.1%) — defaults to or supports the current PPF interest rate
- Year-by-year breakdown — table showing opening balance, deposit, interest, closing balance each year
- Charts and visualization — doughnut/bar charts showing invested vs interest earned
- Tax information — mentions EEE status, Section 80C eligibility
- Extension beyond 15 years — allows modelling tenure beyond the mandatory lock-in
- Real-time calculation — updates as you type
The 7 Best PPF Calculators
A comprehensive PPF calculator that updates in real-time as you adjust inputs. Shows an EEE tax-free status badge, interactive doughnut chart (invested vs interest earned), stacked bar chart for year-by-year growth, and a toggleable breakdown table with exact figures for each year. Supports tenures from 15 to 50 years for extension modelling.
Strengths
- Real-time results — no "Calculate" button
- Interactive doughnut + stacked bar charts
- Year-by-year breakdown table
- EEE tax-free status prominently shown
- Supports extension beyond 15 years
- Correct formula verified against Groww
- Dark mode, fast, zero ads
Limitations
- No loan/partial withdrawal modelling
- No link to open PPF account at a bank
- No PDF export
Groww's PPF calculator provides accurate results with a clean slider UI. It shows invested amount, total interest, and maturity value alongside a pie chart. Groww also has detailed content about PPF rules, loan provisions, and links to bank-specific PPF account pages (SBI, HDFC, Post Office, etc.).
Strengths
- Accurate formula matching official calculations
- Links to bank-specific PPF account details
- Clean, ad-light interface
- Comprehensive PPF guide below calculator
- Pie chart for invested vs interest
Limitations
- No year-by-year breakdown table in calculator
- No bar chart for growth over time
- Slider-only input (no direct typing)
- No real-time update on keyboard input
ClearTax's PPF calculator is integrated into their tax planning ecosystem. It calculates maturity amount and ties into their 80C deduction planning. Shows a simple visual breakdown, and the surrounding content explains PPF rules, eligibility, and tax benefits clearly. Good for first-time PPF investors.
Strengths
- Integrated with 80C tax planning
- Clear PPF rules and eligibility info
- Trusted tax platform brand
- Simple visual breakdown
Limitations
- No year-by-year breakdown
- Heavy page with ads and upsells
- No interactive charts
- Requires "Calculate" button click
BankBazaar offers a straightforward PPF calculator that computes maturity amount quickly. It includes a brief guide on PPF rules and an interest rate history. Simple interface with minimal distractions — enter your deposit, tenure, and rate, and get the result.
Strengths
- Fast and simple
- PPF interest rate history included
- No login required
Limitations
- No year-by-year table
- No charts or visual breakdown
- Ad-heavy layout
- Basic UI with minimal features
Scripbox provides a clean PPF calculator with a minimalist design philosophy. It shows invested amount, interest earned, and maturity value. The real differentiator is their comprehensive guide on PPF withdrawal rules, premature closure, and comparison with other tax-saving instruments.
Strengths
- Clean, distraction-free design
- Detailed PPF rules content
- Comparison with other instruments
Limitations
- No yearly breakdown table
- No interactive charts
- Pushes Scripbox investment products
ET Money's PPF calculator uses a slider-based UI that's visually appealing. It computes maturity amount and shows the interest vs invested split. As with their other calculators, ET Money highlights how PPF compares to their recommended mutual fund products for long-term savings.
Strengths
- Visually appealing slider UI
- PPF vs mutual fund comparison
- Accurate calculations
Limitations
- Pushes mutual fund alternatives heavily
- No year-by-year breakdown
- Limited PPF-specific content
Paisabazaar's PPF calculator is functional and accurate. It provides the basic calculation alongside a useful year-by-year breakdown table showing deposit, interest, and balance for each year. However, the page is cluttered with financial product advertisements.
Strengths
- Year-by-year breakdown table included
- Accurate maturity calculation
- No login required
Limitations
- Very heavy, ad-cluttered page
- No interactive charts
- Slow load times
- Distracting cross-sell banners
Quick Comparison Table
| Feature | ITR Stats | Groww | ClearTax | BankBazaar | Scripbox |
|---|---|---|---|---|---|
| Correct PPF Formula | Yes | Yes | Yes | Yes | Yes |
| Default 7.1% Rate | Yes | Yes | Yes | Yes | Yes |
| Real-Time (No Button) | Yes | Slider | No | No | No |
| Doughnut Chart | Yes | Yes | No | No | No |
| Growth Bar Chart | Yes | No | No | No | No |
| Year-by-Year Table | Yes | No | No | No | No |
| Extension Beyond 15yr | Yes | Yes | No | Yes | No |
| EEE Tax Info | Yes | Yes | Yes | No | Yes |
| Dark Mode | Yes | No | No | No | No |
| No Login Needed | Yes | Yes | Yes | Yes | Yes |
Our Recommendation
For the most complete PPF calculation experience — real-time updates, interactive charts, year-by-year table, and EEE tax information — ITR Stats is the best choice. No login, no ads, and you can model extensions beyond the 15-year lock-in.
If you want to explore different banks' PPF accounts (SBI, HDFC, Post Office) — Groww has the best bank-specific content alongside their calculator.
If you're planning your Section 80C investments holistically — ClearTax integrates PPF into your overall tax-saving strategy.
Try Our PPF Calculator
Interactive charts, year-by-year breakdown, EEE tax info. Real-time results as you type. No login. No ads.
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