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.

₹
₹500₹1.5L / yr
%
1%15%
yr
1yr30yr

PPF Maturity

Maturity Value

₹13,56,070

↑ 80.8% gains over 15 years

Total Invested
₹7,50,000
15 deposits
Interest Earned
₹6,06,070
44.7% of total
INVESTED₹7.5L
Invested
Interest
Invested Amount55.3%
₹7,50,000
Interest Earned44.7%
₹6,06,070

Year-wise Breakdown

15 years
YearOpening BalanceYearly DepositInterest EarnedClosing 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

1

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.

2

Set the interest rate

The current PPF rate is 7.1% p.a. — it is pre-filled. Change it to model different scenarios or government rate revisions.

3

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.

4

Read the results

See the maturity value, total invested, and interest earned. The year-wise table and growth chart show how the corpus builds.

Related tools

SIP Calculator

Compare PPF returns with the potential growth of a monthly SIP in equity mutual funds.

FD Calculator

See how a Fixed Deposit compares to PPF — useful for deciding between risk-free options.

EMI Calculator

Decide whether to prepay a loan or invest in PPF using the EMI calculation as reference.

Age Calculator

Know your current age to plan how many PPF extension blocks you can complete before retirement.

Frequently asked questions

Common questions about PPF calculation and how the tool works.

Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India. It offers tax-free interest and maturity proceeds, making it one of the most popular risk-free investment options. The minimum tenure is 15 years and deposits can be made once or in instalments, up to a maximum of ₹1,50,000 per financial year.

PPF uses beginning-of-period annual compounding. Each yearly deposit earns interest for the remaining duration. The maturity value is calculated iteratively: each year, the closing balance equals (opening balance + deposit) × (1 + rate/100). This matches the standard annuity-due formula: FV = P × (1 + r) × [(1 + r)^n − 1] / r.

The Government of India revises the PPF interest rate quarterly. As of early 2024 it is 7.1% per annum, compounded annually. You can enter any rate in this calculator to model different scenarios.

Yes. After the initial 15-year lock-in period, you can extend the account in blocks of 5 years, either with or without fresh contributions. Use the duration slider beyond 15 years to project returns for extended periods.

No. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — contributions qualify for deduction under Section 80C, interest earned is fully exempt, and the maturity amount is also tax-free. This calculator shows the gross maturity value without any tax deduction.

No. All calculations run entirely in your browser using JavaScript. Nothing is transmitted to any server.