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EPF vs PPF Calculator

↻ Updated FY 2026-27

Compare the Employees' Provident Fund (8.25%) and Public Provident Fund (7.1%) side by side. Put in the same yearly contribution over N years and see which builds more.

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Your inputs

Yearly contribution

Years

EPF rate

PPF rate

EPF maturity

₹76,39,604

at 8.25%

PPF maturity

₹66,58,288

at 7.1%

EPF advantage

₹9,81,316

over 20 years

Maturity side by side20 yr · same deposit

EPF 8.25%PPF 7.1%

Comparison

Total invested (each)₹30,00,000

EPF maturity₹76,39,604

PPF maturity₹66,58,288

Difference (EPF − PPF)₹9,81,316

ASSUMPTIONS — Both are compared on the same yearly contribution with annual compounding and deposits at the start of each year, so the only difference is the interest rate. EPF (8.25%) is tied to salaried employment and its rate is declared annually by EPFO; PPF (7.1%) is open to everyone and its rate is set quarterly. Rates shown are for the Jul–Sep 2026 reference quarter, revised quarterly by the Ministry of Finance. Both maturities are tax-free (EEE).

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EPF PPF NPS

Sources & rate references

·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.