PPF Calculator
Project your Public Provident Fund maturity value. Adjust yearly investment, interest rate, and duration — results, growth chart, and year-wise breakdown update instantly.
This calculator projects the maturity value of a Public Provident Fund account. Enter your yearly contribution, the current interest rate and the tenure to see the closing balance and total interest. PPF has a 15-year lock-in, interest is compounded annually, and contributions qualify for a deduction under Section 80C.
PPF Maturity
Maturity Value
₹13,56,070
↑ 80.8% gains over 15 years
Year-wise Breakdown
15 years| Year | Opening Balance | Yearly Deposit | Interest Earned | Closing Balance |
|---|---|---|---|---|
| 1 | ₹0 | ₹50,000 | ₹3,550 | ₹53,550 |
| 2 | ₹53,550 | ₹50,000 | ₹7,352 | ₹1,10,902 |
| 3 | ₹1,10,902 | ₹50,000 | ₹11,424 | ₹1,72,326 |
| 4 | ₹1,72,326 | ₹50,000 | ₹15,785 | ₹2,38,111 |
| 5 | ₹2,38,111 | ₹50,000 | ₹20,456 | ₹3,08,567 |
| 6 | ₹3,08,567 | ₹50,000 | ₹25,458 | ₹3,84,025 |
| 7 | ₹3,84,025 | ₹50,000 | ₹30,816 | ₹4,64,841 |
| 8 | ₹4,64,841 | ₹50,000 | ₹36,554 | ₹5,51,395 |
| 9 | ₹5,51,395 | ₹50,000 | ₹42,699 | ₹6,44,094 |
| 10 | ₹6,44,094 | ₹50,000 | ₹49,281 | ₹7,43,375 |
| 11 | ₹7,43,375 | ₹50,000 | ₹56,330 | ₹8,49,704 |
| 12 | ₹8,49,704 | ₹50,000 | ₹63,879 | ₹9,63,583 |
| 13 | ₹9,63,583 | ₹50,000 | ₹71,964 | ₹10,85,548 |
| 14 | ₹10,85,548 | ₹50,000 | ₹80,624 | ₹12,16,172 |
| 15 | ₹12,16,172 | ₹50,000 | ₹89,898 | ₹13,56,070 |
| Total | — | ₹7,50,000 | ₹6,06,070 | ₹13,56,070 |
About this tool
A fast and accurate PPF calculator that projects the maturity value of your Public Provident Fund account. Enter your yearly investment amount, the applicable interest rate, and the investment duration — the maturity value, total interest earned, and growth chart all update instantly as you adjust the sliders.
The year-wise breakdown table shows the opening balance, yearly deposit, interest earned, and closing balance for every year of your investment. Use the preset chips for common PPF scenarios, or type any value directly. All calculations run in your browser — no data is sent to any server.
How to use
Enter yearly investment
Type the amount you deposit each year or drag the slider. Use quick chips for common amounts up to the ₹1.5L annual limit.
Set the interest rate
The rate field is pre-filled with 7.1%. The government revises the PPF rate quarterly, so check the current figure and change it if it has moved.
Choose the duration
PPF has a minimum 15-year lock-in. Drag the slider beyond 15 to project returns for extended blocks of 5 years.
Read the results
See the maturity value, total invested, and interest earned. The year-wise table and growth chart show how the corpus builds.
A worked example
Suppose you deposit the annual maximum of ₹1,50,000 every year for the full 15-year term. At an illustrative rate of 7.1%, compounded annually, the balance at maturity comes to roughly ₹37.99 lakh. You will have paid in ₹22.5 lakh, so about ₹15.49 lakh is interest — around 41% of the final corpus.
What makes that figure unusual is the tax treatment. PPF sits in the EEE category: the contribution is deductible under Section 80C, the interest accrues tax-free, and the maturity amount is tax-free on withdrawal. A fixed deposit paying the same headline rate would be taxed as income at your slab, so its post-tax return is materially lower for anyone in a higher bracket.
The trade-off is liquidity. The 15-year lock-in is real, with only limited partial withdrawals permitted after the sixth year, so PPF suits money you genuinely will not need. Note also that the rate is set by the government and revised quarterly — it is not fixed for the life of the account, so enter the current rate rather than assuming today's will hold for fifteen years.
At a glance
- Scheme
- Public Provident Fund, a government-backed savings scheme
- Lock-in
- 15 years from the end of the year the account is opened
- Compounding
- Annual
- Tax treatment
- Contributions qualify under Section 80C, and interest and maturity are tax-free — the EEE category
- Interest rate
- Set by the government and revised quarterly, so enter the current rate rather than assuming a fixed one
- Outputs
- Maturity value, total invested and total interest earned
Sources & references
- National Savings Institute — Official PPF scheme rules, current interest rate and withdrawal conditions
- Income Tax Department, India — Section 80C deduction and the EEE tax treatment of PPF
Frequently asked questions
Common questions about PPF calculation and how the tool works.
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