About Indian PPF & Gratuity Calculation Studio
Comprehensive Indian investment calculator for Public Provident Fund (PPF) under Section 80C EEE tax status. Features 15, 20, 25, and 30-year extension blocks, year-by-year compounding schedules, and statutory Payment of Gratuity Act 1972 calculation.
Key Capabilities & Features
- Annual PPF compounding with 7.1% sovereign rate
- 15, 20, 25, 30-year extension blocks
- Year-by-year opening, deposit, interest & closing balance table
- Payment of Gratuity Act 1972 statutory formula
- Downloadable CSV schedule
How to Use Indian PPF & Gratuity Calculation Studio
Enter Deposit
Enter your annual deposit (up to ₹1,50,000 / year).
Select Tenure
Choose 15 years base or extend in 5-year blocks (20, 25, 30 years).
View Growth Schedule
Review total tax-free interest earned and download the full year-by-year schedule.
Privacy & In-Browser Execution Guarantee
Zero data collection. Investment figures and salary numbers remain private on your computer.
Frequently Asked Questions
What is the EEE tax status of PPF?
PPF enjoys Exempt-Exempt-Exempt (EEE) status: the investment is tax-deductible under 80C, the annual interest earned is tax-exempt, and the final maturity proceeds are 100% tax-free.
How is employee gratuity calculated in India?
Under the Payment of Gratuity Act 1972, gratuity = (15 * Last Drawn Monthly Basic+DA * Tenure in Years) / 26, provided you have completed at least 5 years of continuous service.