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PPF Calculator

Project what a Public Provident Fund account could be worth at maturity. Enter how much you deposit each year, the interest rate you expect and whether you deposit at the start or the end of the financial year, and the calculator builds a year-by-year statement with opening balance, deposit, interest and closing balance for the 15-year term or an extended term.

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Project Your PPF Balance

The default rate and deposit limits are editable examples, not live figures. The PPF rate is reviewed by the government every quarter: check the current rate and limits on an official source before relying on this projection.

Editable default; check the current notified rate.
Used only to warn you; check the current rule.
Used only to warn you; check the current rule.

How to Use the PPF Calculator

  1. Enter your yearly deposit and the interest rate to assume.
  2. Choose the number of years and when in the year you deposit.
  3. Adjust the minimum and maximum deposit limits if the rules have changed.
  4. Press Calculate and read the maturity value and the yearly statement.

About This Tool

Indian savers using PPF for long-term, tax-advantaged savings, and anyone deciding whether to extend a PPF account after 15 years.

Input: Numbers  ·  Output: Maturity value and statement.

Features and Limitations

Features

  • Year-by-year statement with yearly compounding.
  • Start-of-year versus end-of-year deposit timing.
  • 15-year term plus 5-year extensions.
  • Warnings when the deposit is outside the limits you enter.

Limitations

  • Assumes the same rate and deposit every year; the real rate can change each quarter.
  • Monthly minimum-balance rules are simplified to one deposit a year.
  • Partial withdrawals, loans and tax treatment are not modelled.
  • A projection, not financial advice; scheme rules can change.
  • Results are computed in your browser; nothing you enter is sent to a server.

Example

Depositing ₹1,50,000 at the start of every year for 15 years at an assumed 7.1% grows to about ₹40,68,209: ₹22,50,000 deposited and about ₹18.18 lakh of interest.

Frequently Asked Questions

How is PPF interest calculated?

Interest is worked out each month on the lowest balance between the 5th and the last day of the month, and credited once a year. Depositing by 5 April therefore earns interest for the full year, which is what the start-of-year option assumes.

Why is the interest rate editable?

The PPF rate is set by the government and reviewed every quarter. A fixed number on a web page could be out of date, so enter the rate currently notified.

Can I extend PPF after 15 years?

Yes, PPF can be extended in blocks of 5 years, with or without further deposits. Choose 20, 25 or 30 years to see an extended projection with continued deposits.

Is the maturity amount tax-free?

Under current Indian rules PPF has exempt-exempt-exempt status, but tax laws change. This calculator does not compute tax.

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