PPF Calculator
Project your Public Provident Fund savings with an annual contribution.
Results are estimates for illustration only and are not financial, tax or investment advice. Disclaimer
Your inputs
Range ₹500 to ₹1.5L
Range 15 years to 50 years
Range 6% to 10%
Advanced
Projected maturity: ₹27,12,139
Results
Projected maturity
₹27,12,139
Total contributed
₹15,00,000
Interest earned
₹12,12,139
Worth in today’s money
₹11,31,681
Ending value after 15 years, adjusted for 6% annual inflation. Nominal totals and withdrawals are unchanged.
Share or save this calculation
Links and reports include your current inputs. Saved calculations stay on this device.
Growth over time
Year-wise breakdown
| Year | Contributed to date | Interest this year | Balance |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹7,100 | ₹1,07,100 |
| 2 | ₹2,00,000 | ₹14,704 | ₹2,21,804 |
| 3 | ₹3,00,000 | ₹22,848 | ₹3,44,652 |
| 4 | ₹4,00,000 | ₹31,570 | ₹4,76,222 |
| 5 | ₹5,00,000 | ₹40,912 | ₹6,17,134 |
| 6 | ₹6,00,000 | ₹50,917 | ₹7,68,051 |
| 7 | ₹7,00,000 | ₹61,632 | ₹9,29,682 |
| 8 | ₹8,00,000 | ₹73,107 | ₹11,02,790 |
| 9 | ₹9,00,000 | ₹85,398 | ₹12,88,188 |
| 10 | ₹10,00,000 | ₹98,561 | ₹14,86,749 |
| 11 | ₹11,00,000 | ₹1,12,659 | ₹16,99,409 |
| 12 | ₹12,00,000 | ₹1,27,758 | ₹19,27,167 |
| 13 | ₹13,00,000 | ₹1,43,929 | ₹21,71,095 |
| 14 | ₹14,00,000 | ₹1,61,248 | ₹24,32,343 |
| 15 | ₹15,00,000 | ₹1,79,796 | ₹27,12,139 |
How this estimate works
- The full annual deposit is assumed available by 5 April and earns a full year of interest, credited annually. Deposits made later earn less.
- Annual contributions range from ₹500 to ₹1.5 lakh in ₹50 increments. The selected rate stays constant for this projection; notified PPF rates can change each quarter.
- Actual maturity is 15 years from the end of the financial year of opening. Longer projections assume eligible five-year extensions; the slider is a planning horizon, not a withdrawal date.
- Today’s-money value discounts only the ending balance by (1 + inflation) raised to the selected years. It does not change contributions, withdrawals or the nominal calculation.
Saved calculations
Last 10 per calculator, stored only on this device.
Save a calculation to return to it later.
How the PPF calculator works
The Public Provident Fund (PPF) is a government-backed savings scheme with a 15-year term. The government sets its interest rate every quarter, and interest is credited once a year. The calculator assumes your whole annual deposit is made by 5 April, so it earns a full year of interest.
Who this helps
For savers estimating annual PPF deposits and checking how a different assumed rate changes the projection.
Formula
Closing balance = (opening balance + annual deposit) × (1 + rate ÷ 100)
This is repeated for every year of the plan, using the PPF interest rate you enter.
Worked example
Depositing ₹1 lakh every year for 15 years at 7.1% means ₹15,00,000 of deposits. The estimated maturity value is ₹27,12,139, including ₹12,12,139 of interest.
Based on this calculator’s default inputs.
Frequently asked questions
What is the current PPF interest rate?
The government has notified 7.1% a year for Oct–Dec 2026. The rate is reviewed every quarter, so check the latest notification before relying on a long projection.
How much can I invest in PPF each year?
Between ₹500 and ₹1.5 lakh in each financial year. Deposits above ₹1.5 lakh do not earn interest, so the calculator caps the annual amount at ₹1.5 lakh.
When does a PPF account mature?
Fifteen years from the end of the financial year in which it was opened. It can then be extended in blocks of five years, with or without new deposits. Projections beyond 15 years here assume extensions with continued deposits.
Why does depositing before 5 April matter?
Interest for each month is calculated on the lowest balance between the fifth and the last day of that month. Depositing the full amount by 5 April earns interest for all 12 months; later deposits earn less.
Is PPF interest taxable?
PPF is generally treated as exempt-exempt-exempt: eligible deposits can qualify for a deduction under the old tax regime, and interest and maturity proceeds are tax-free. Check the current rules for your own situation.
Model and timing
The whole annual contribution is assumed deposited by 5 April and earns a full year of interest, credited annually. The entered rate stays constant. Contributions use ₹50 increments within the annual ₹500–₹1.5 lakh range.
Before using the estimate
Actual rates are notified quarterly. The legal account term runs from the end of its opening financial year; this simplified whole-year projection is not an account-specific maturity-date calculator. Later or monthly deposits earn different interest. Longer projections assume permitted extensions with continued deposits.
Try a useful comparison
Test your annual deposit and a lower assumed rate, then inspect the year-by-year balance. Use Advanced inflation to compare the future figure with today’s purchasing power. Save locally or prepare a report with the assumptions.
Results are estimates for illustration only and are not financial, tax or investment advice.