Savings
PPF Calculator
Project your Public Provident Fund maturity value. Move the sliders or type exact numbers — results update instantly.
Formula checked by Naman, Fistotex founderLast updated Free · No sign-up · Runs in your browser
Your inputs
PPF allows up to ₹1,50,000 per financial year.
₹500 – ₹1.5LPPF matures in 15 years and can be extended in 5-year blocks.
15 – 50Government-notified and revised quarterly. Defaults to 7.1%.
1% – 15%Maturity amount
₹40,68,209
≈ ₹40.68 Lakh
Total contributed55%
Interest earned45%
- Total contributed
- ₹22,50,000
- Interest earned
- ₹18,18,209
Growth over time
Figures are estimates based on the inputs and assumptions shown. Actual outcomes will differ. This is not financial advice.
Guide
PPF Calculator: what it does and when to use it
A PPF calculator projects the maturity value of your Public Provident Fund account from your yearly deposit, the interest rate and the number of years. PPF interest is compounded annually.
PPF is backed by the Government of India and its interest and maturity amount are tax-free, which makes it a popular debt option for long-term goals.
How to use it: set each input with the slider or type an exact figure. Results, the chart and the shareable link update instantly.
- Annual investment
- ₹1,50,000
- Tenure
- 15 years
- Interest rate
- 7.1%
- Total contributed
- ₹22,50,000
- Interest earned
- ₹18,18,209
- Maturity amount
- ₹40,68,209
Method
How this calculation works
The exact formula and assumptions behind the numbers above.
Formula
Balance compounds yearly: Balanceₙ = (Balanceₙ₋₁ + Contribution) × (1 + r)
Interest is credited annually on the balance including that year's deposit.
Assumptions
- Contributions, interest and maturity are exempt from tax (EEE status).
- Depositing before the 5th of April maximises that year's interest.
Questions
Frequently asked questions
What is the maximum I can invest?
₹1,50,000 per financial year across all your PPF accounts.
Can I withdraw early?
Partial withdrawal is allowed from the 7th financial year, subject to limits.
When should I deposit in PPF to earn the most interest?
Interest is calculated on the lowest balance between the 5th and the last day of each month, so depositing before the 5th of April earns interest for the whole year.
Can I extend PPF after 15 years?
Yes. You can extend the account in blocks of 5 years, with or without fresh contributions.
Disclaimer
This calculator is an educational tool. It provides estimates based on the inputs and assumptions shown, and does not constitute personalised financial, investment or tax advice. Actual returns, interest, taxes and fees will vary. Please consult a qualified professional before making financial decisions.