PPF Calculator
Calculate your Public Provident Fund maturity amount, interest earned, and view detailed year-by-year growth breakdown.
| Year | Deposit (₹) | Interest (₹) | Balance (₹) |
|---|
How to Use the PPF Calculator
- Enter your annual PPF deposit amount between ₹500 and ₹1,50,000.
- Enter the current PPF interest rate. The default is 7.1% per annum.
- Select the investment duration from 15 to 50 years including extensions.
- Click the Calculate button to compute your PPF maturity amount and interest earned.
- Review your total investment, interest earned, maturity amount, and year-by-year breakdown table.
Key Features of Our PPF Calculator
Yearly Breakdown
See deposit, interest, and balance for each year of your PPF tenure.
100% Private
All calculations run locally in your browser. No data is sent to any server.
Instant Results
Get accurate PPF maturity projections in less than a second.
Mobile Friendly
Works perfectly on phones, tablets, and desktop computers.
Extension Support
Calculate returns for 15 to 50 years including multiple 5-year extensions.
India Focused
Built specifically for Indian PPF rules with current interest rates and limits.
PPF Calculation Formula — How It Works
The Public Provident Fund uses annual compounding to grow your investment. Interest is calculated on the balance and added at the end of each financial year.
A = P × [((1 + r)^n - 1) / r]Where:
A = Maturity amount | P = Annual deposit | r = Annual interest rate (decimal) | n = Number of years
This formula assumes a fixed yearly deposit made at the beginning of each year. In practice, PPF interest is computed monthly on the lowest balance between the 5th and last day of the month, then compounded annually. Our calculator uses the standard annual compounding method for projection.
Practical PPF Investment Examples
Example 1: Salaried Employee in Mumbai
Annual Deposit: ₹1,50,000 | Rate: 7.1% | Period: 15 years
Total Investment: ₹22,50,000 | Interest Earned: ₹18,18,209 | Maturity: ₹40,68,209
Ravi invests the maximum ₹1.5 lakh per year and earns over ₹18 lakh in tax-free interest over 15 years.
Example 2: Teacher in Jaipur
Annual Deposit: ₹50,000 | Rate: 7.1% | Period: 15 years
Total Investment: ₹7,50,000 | Interest Earned: ₹6,06,070 | Maturity: ₹13,56,070
Priya deposits ₹50,000 yearly. After 15 years, she gets nearly double her total investment, all tax-free.
Example 3: Freelancer Starting Early
Annual Deposit: ₹1,00,000 | Rate: 7.1% | Period: 25 years
Total Investment: ₹25,00,000 | Interest Earned: ₹40,67,572 | Maturity: ₹65,67,572
Alex begins investing at age 25 with extensions. By 50, the fund grows to over ₹65 lakh — showing the power of long-term compounding.
Example 4: Minimum Deposit Strategy
Annual Deposit: ₹500 | Rate: 7.1% | Period: 15 years
Total Investment: ₹7,500 | Interest Earned: ₹6,061 | Maturity: ₹13,561
Even the minimum ₹500 yearly deposit keeps the account active and earns tax-free returns over time.
What Is a PPF Calculator?
A PPF calculator is a financial planning tool that helps you estimate the maturity amount of your Public Provident Fund investment. By entering your yearly deposit, interest rate, and investment period, you can instantly see how much your money will grow over time.
The Public Provident Fund is one of India's most popular long-term savings instruments. Backed by the Government of India, it offers guaranteed returns with EEE (Exempt-Exempt-Exempt) tax benefits under Section 80C of the Income Tax Act.
Using a PPF calculator helps you plan your retirement savings, compare different deposit amounts, and understand the impact of extending your PPF beyond the standard 15-year lock-in period. Whether you are a salaried employee, self-employed professional, or homemaker, this tool makes PPF planning simple and transparent.
📖 Want a detailed guide on PPF investment strategies, tax benefits, and tips?
Read Our Complete PPF Guide →Frequently Asked Questions
Yes, this PPF calculator is completely free to use with no registration or signup required. You can calculate unlimited times.
The current PPF interest rate is 7.1% per annum as of 2025. The government reviews and announces the rate every quarter.
The minimum annual PPF deposit is ₹500 and the maximum is ₹1,50,000. Deposits beyond ₹1,50,000 do not earn interest and are not eligible for tax benefits.
Yes, PPF accounts can be extended in blocks of 5 years after the initial 15-year maturity period. You can extend with or without contributions.
No, PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. The investment, interest earned, and maturity amount are all tax-free under current Indian tax laws.
PPF interest is calculated on the lowest balance between the 5th and last day of each month and is compounded annually. Interest is credited at the end of each financial year.
NRIs cannot open new PPF accounts. However, if an existing PPF account holder becomes an NRI, they can continue the account until maturity but cannot extend it.
If you miss a deposit, the account becomes inactive. To reactivate it, you need to pay a penalty of ₹50 per year of default along with the minimum ₹500 deposit for each missed year.
Yes, all calculations happen directly in your browser. No financial data is sent to any server or stored anywhere. Your privacy is fully protected.
This calculator uses the standard PPF compounding formula and provides accurate results based on the inputs you provide. Actual returns may vary slightly based on deposit timing within the year.
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