🇮🇳 印度公积金 PPF 计算器PPF Calculator (Public Provident Fund)
按当前 PPF 利率（2026 年 10 月 1 日–12 月 31 日为 7.1%）计算印度公共公积金 15 年（可按 5 年延期）的到期金额、累计存入和利息，含逐年明细。Calculate the maturity value of an Indian Public Provident Fund account at the current rate (7.1% for 1 Oct–31 Dec 2026) over 15 years or a 5-year extension, with total deposits, interest and a year-by-year table.
使用说明与常见问题How-to & FAQ
「印度公积金 PPF 计算器」是什么？What is the PPF Calculator (Public Provident Fund) tool?
按当前 PPF 利率（2026 年 10 月 1 日–12 月 31 日为 7.1%）计算印度公共公积金 15 年（可按 5 年延期）的到期金额、累计存入和利息，含逐年明细。Calculate the maturity value of an Indian Public Provident Fund account at the current rate (7.1% for 1 Oct–31 Dec 2026) over 15 years or a 5-year extension, with total deposits, interest and a year-by-year table.
如何使用「印度公积金 PPF 计算器」？How do I use the PPF Calculator (Public Provident Fund) tool?
在「印度公积金 PPF 计算器」中，填写「每年存入 ₹」、「年利率 %」、「期限（年）」等参数，结果会随输入实时计算并显示在下方。In the PPF Calculator (Public Provident Fund): Fill in "Yearly deposit ₹", "Interest rate %", "Tenure (years)"; results are recalculated instantly as you type.
现在的 PPF 利率是多少？What is the current PPF rate?
印度财政部经济事务司 2026 年 9 月 30 日公告（2026–27 财年第三季度小额储蓄利率）：2026 年 10 月 1 日至 12 月 31 日 PPF 利率维持 7.1%（年复利）。利率每季度调整一次，计算时假设整个期间不变。India's Ministry of Finance kept the PPF rate at 7.1% (compounded yearly) for 1 Oct–31 Dec 2026 (notice of 30 Sep 2026). Rates are reset each quarter; this tool assumes the rate stays the same throughout.
为什么要在 4 月 5 日前存？Why deposit before 5 April?
PPF 利息按每月 5 日至月底之间的最低余额计算。本工具假设每年在 4 月 5 日前一次性存入，因此当年全额计息——这是能拿到的最高金额。PPF interest is computed on the lowest balance between the 5th and the end of each month. The tool assumes one deposit before 5 April each year, so it earns a full year's interest — the best case.
PPF 有哪些规定？Key PPF rules?
每财年存入 ₹500–₹150,000，期限 15 年，到期后可按 5 年为一期延期；存入额可在旧税制下按 80C 抵税，利息和到期金额免税。₹500 to ₹150,000 per financial year, a 15-year term extendable in 5-year blocks; deposits qualify for Section 80C under the old regime, and interest and maturity are tax-free.
计算结果可以作为最终依据吗？Can I rely on the result?
「印度公积金 PPF 计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The PPF Calculator (Public Provident Fund) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「印度公积金 PPF 计算器」免费吗？需要注册吗？Is the PPF Calculator (Public Provident Fund) free? Do I need an account?
「印度公积金 PPF 计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The PPF Calculator (Public Provident Fund) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.