Free Online PPF Calculator for Public Provident Fund Returns in India
PPF calculator helps you estimate your Public Provident Fund maturity amount, total interest earned, and year-wise growth over 15 to 50 years. Plan your tax-saving investments with accurate calculations based on the current government interest rate of 7.1% — completely free, no signup needed.
Calculate Your PPF Maturity Amount
Year-wise PPF Growth Breakdown
| Year | Opening Balance | Deposit | Interest Earned | Closing Balance |
|---|
How to Use the PPF Calculator
Enter Annual Deposit Amount
Enter the amount you plan to invest in your PPF account each year. The minimum is ₹500 and the maximum is ₹1,50,000 per financial year as per government rules.
Select Deposit Frequency
Choose whether you deposit annually as a lump sum or monthly in equal instalments. Monthly deposits are automatically divided into 12 equal parts.
Set Interest Rate and Tenure
The current PPF interest rate of 7.1% is pre-filled. Adjust if needed. Set the investment tenure between 15 and 50 years including any 5-year extensions.
Click Calculate PPF Returns
Click the Calculate button to instantly see your maturity amount, total deposits, total interest earned, and a detailed year-wise breakdown of your PPF growth.
Copy or Download Your Results
Use the Copy Result button to copy the summary to clipboard or Download Result to save the complete year-wise breakdown as a text file for your records.
Key Features of This PPF Calculator
Completely Free
Calculate your PPF returns unlimited times without any charges, subscriptions, or hidden fees. No premium version exists.
Government-Accurate Formula
Uses the official compound interest formula with annual compounding, matching how post offices and banks calculate PPF interest.
Instant Results
Get your maturity amount, interest earned, and year-wise breakdown in under a second with no waiting or loading delays.
100% Private and Secure
All calculations happen in your browser. No data is sent to any server, stored anywhere, or shared with third parties.
Mobile-Friendly Design
Works perfectly on smartphones, tablets, and desktops with a responsive layout that adapts to any screen size automatically.
No Signup Required
Start calculating immediately without creating accounts, verifying email, or providing any personal information whatsoever.
PPF Calculation Formula Explained
A = P × [((1 + r)^n − 1) / r]Calculation Components
For example, if Ramesh from Pune invests ₹1,50,000 every year at the current rate of 7.1% for 15 years, his total deposit would be ₹22,50,000. Using the compound interest formula with annual compounding, his PPF account would grow to approximately ₹40,68,209 at maturity. This means he earns about ₹18,18,209 as interest — nearly 81% of his total deposits — all completely tax-free under Section 80C and the EEE tax benefit structure. The power of compounding becomes even more dramatic over longer tenures, which is why financial advisors recommend starting PPF investments as early as possible.
PPF Calculation Examples with Indian Scenarios
Priya's Long-Term Savings Plan
Input: ₹1,50,000/year (max limit) | 7.1% rate | 15 years
Result: Maturity ≈ ₹40,68,209 | Total Deposits: ₹22,50,000 | Interest: ₹18,18,209
Use Case: Priya, a 30-year-old software engineer in Bangalore, maximises her PPF to build a tax-free retirement corpus while claiming ₹1.5L Section 80C deduction annually.
Suresh's Monthly Investment Strategy
Input: ₹1,00,000/year (₹8,333/month) | 7.1% rate | 15 years
Result: Maturity ≈ ₹27,12,139 | Total Deposits: ₹15,00,000 | Interest: ₹12,12,139
Use Case: Suresh, a school teacher in Lucknow earning ₹45,000/month, invests ₹8,333 monthly before the 5th for maximum interest. He plans to use this for his daughter's higher education.
Meena's Extended 25-Year PPF Journey
Input: ₹1,50,000/year | 7.1% rate | 25 years (15 + two 5-year extensions)
Result: Maturity ≈ ₹1,01,29,617 | Total Deposits: ₹37,50,000 | Interest: ₹63,79,617
Use Case: Meena, a doctor in Chennai, extends her PPF twice to cross the ₹1 crore mark. Her interest earned is nearly 1.7 times her total deposits, showcasing the power of long-term compounding.
Arjun's Minimum Annual Deposit
Input: ₹12,000/year (₹1,000/month) | 7.1% rate | 15 years
Result: Maturity ≈ ₹3,25,457 | Total Deposits: ₹1,80,000 | Interest: ₹1,45,457
Use Case: Arjun, a daily-wage worker in Jaipur, invests just ₹1,000 monthly through his post office PPF account. Even this small amount grows to over ₹3.25 lakh tax-free, proving that consistent small investments create meaningful wealth.
What is a PPF Calculator and Why Should You Use It?
A PPF calculator is a financial planning tool that helps you estimate the maturity value of your Public Provident Fund investment based on your annual deposits, the prevailing interest rate, and your chosen investment tenure. The Public Provident Fund is one of India's most popular long-term savings schemes, backed by the Government of India, making it one of the safest investment options available to Indian citizens.
This calculator is designed for salaried employees, self-employed professionals, homemakers, and anyone who wants to build a tax-free retirement corpus while enjoying Section 80C tax benefits. Whether you are a young professional just starting your career in Mumbai or a seasoned government employee in Delhi planning for retirement, understanding how your PPF investment will grow over 15 to 50 years is essential for sound financial planning.
Our PPF calculator uses the exact compound interest formula prescribed by the government — interest is compounded annually on the year-end balance. The current interest rate of 7.1% per annum, set by the Ministry of Finance, is pre-filled for convenience. You can also adjust the rate to model different scenarios. The tool provides a detailed year-wise breakdown showing how your deposits and compound interest accumulate over time, helping you visualise the exponential growth that makes PPF such a powerful wealth-building instrument. Financial advisors consistently recommend PPF as a core component of any Indian investor's portfolio due to its sovereign guarantee, attractive tax-free returns, and EEE (Exempt-Exempt-Exempt) tax status.