Finance Tools

PPF Calculator

Calculate your Public Provident Fund maturity amount, total interest earned, and year-by-year growth over 15 years.

Runs in browserFree & no signupYear-by-year breakdown

PPF Details

Yearly Investment

₹

₹500₹1.5L

Tenure: 15 years

Interest Rate7.1%

Current PPF rate: 7.1% p.a. (Q1 2024–25)

Maturity Amount

₹13.56 L

Total Invested

₹7.50 L

Interest Earned

₹6.06 L

Breakdown

Invested (55%)Interest (45%)

Year-by-Year Growth

How to calculate PPF maturity amount

Enter your yearly deposit and tenure to instantly see your PPF maturity amount, total interest earned, and a year-by-year breakdown.

01
Enter your yearly deposit
Type the amount you plan to deposit each year. The minimum is ₹500 and the maximum is ₹1,50,000 per financial year as per current PPF rules.
02
Set the tenure
PPF has a mandatory 15-year lock-in period. You can also calculate for extended periods (in 5-year blocks after maturity) to see the long-term compounding effect.
03
Review the results
The calculator shows your total investment, total interest earned, and maturity amount at the current 7.1% per annum interest rate (compounded annually).
04
Explore the year-by-year breakdown
Expand the detailed table to see your opening balance, deposit, interest earned, and closing balance for each year of the investment period.

What people use it for

PPF is India's most popular long-term tax-saving investment. Here's how the calculator helps you plan smarter.

Retirement planning

PPF is one of India's safest long-term savings instruments. Use the calculator to project your corpus at retirement and plan how much to deposit each year.

Tax saving under Section 80C

PPF deposits qualify for deduction under Section 80C (up to ₹1.5 lakh per year). Calculate how much you can invest to maximize your tax benefit.

Children's education fund

Open a PPF account in a minor's name and calculate how much it will grow by the time they reach college age — 15 to 18 years away.

Comparing investment options

Compare PPF returns against FD, mutual funds, or NPS to decide how to allocate your annual savings across different instruments.

Extension planning

After the initial 15-year term, PPF can be extended in 5-year blocks. Calculate the additional corpus you'd accumulate by extending rather than withdrawing.

Partial withdrawal planning

PPF allows partial withdrawals from year 7 onwards. Use the year-by-year breakdown to understand your balance at any point and plan withdrawals accordingly.

Frequently asked questions

Common questions about PPF interest rates, lock-in rules, tax benefits, and how the calculator works.

The current PPF interest rate is 7.1% per annum, compounded annually. The rate is set by the Government of India and reviewed quarterly, though it has remained at 7.1% since April 2020.

Yes, completely free. No account required, no limits on calculations.

PPF has a mandatory 15-year lock-in period from the date of account opening. Premature closure is allowed only in specific circumstances (serious illness, higher education, change of residency status) after 5 years.

The minimum deposit is ₹500 per financial year and the maximum is ₹1,50,000 per financial year. Deposits can be made in a lump sum or in up to 12 installments per year.

Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — the deposit qualifies for Section 80C deduction, the interest earned is tax-free, and the maturity amount is also tax-free.

Interest is calculated on the lowest balance between the 5th and last day of each month. To maximize interest, deposit before the 5th of each month. The interest is credited to the account at the end of each financial year.

Yes. After the initial 15-year term, you can extend the account in blocks of 5 years — either with continued deposits or without (the balance continues to earn interest). You must apply for extension within one year of maturity.

The calculator uses the current rate of 7.1% for all years. Since the PPF rate can change quarterly, actual returns may differ slightly. The calculation gives you a reliable estimate based on the current rate.

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How to calculate PPF maturity amount

Enter your yearly deposit and tenure to instantly see your PPF maturity amount, total interest earned, and a year-by-year breakdown.

Enter your yearly deposit

Type the amount you plan to deposit each year. The minimum is ₹500 and the maximum is ₹1,50,000 per financial year as per current PPF rules.

Set the tenure

PPF has a mandatory 15-year lock-in period. You can also calculate for extended periods (in 5-year blocks after maturity) to see the long-term compounding effect.

Review the results

The calculator shows your total investment, total interest earned, and maturity amount at the current 7.1% per annum interest rate (compounded annually).

Explore the year-by-year breakdown

Expand the detailed table to see your opening balance, deposit, interest earned, and closing balance for each year of the investment period.

What people use it for

PPF is India's most popular long-term tax-saving investment. Here's how the calculator helps you plan smarter.

Retirement planning

PPF is one of India's safest long-term savings instruments. Use the calculator to project your corpus at retirement and plan how much to deposit each year.

Tax saving under Section 80C

PPF deposits qualify for deduction under Section 80C (up to ₹1.5 lakh per year). Calculate how much you can invest to maximize your tax benefit.

Children's education fund

Open a PPF account in a minor's name and calculate how much it will grow by the time they reach college age — 15 to 18 years away.

Comparing investment options

Compare PPF returns against FD, mutual funds, or NPS to decide how to allocate your annual savings across different instruments.

Extension planning

After the initial 15-year term, PPF can be extended in 5-year blocks. Calculate the additional corpus you'd accumulate by extending rather than withdrawing.

Partial withdrawal planning

PPF allows partial withdrawals from year 7 onwards. Use the year-by-year breakdown to understand your balance at any point and plan withdrawals accordingly.

Frequently asked questions

Common questions about PPF interest rates, lock-in rules, tax benefits, and how the calculator works.

The current PPF interest rate is 7.1% per annum, compounded annually. The rate is set by the Government of India and reviewed quarterly, though it has remained at 7.1% since April 2020.

Yes, completely free. No account required, no limits on calculations.

The minimum deposit is ₹500 per financial year and the maximum is ₹1,50,000 per financial year. Deposits can be made in a lump sum or in up to 12 installments per year.

Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — the deposit qualifies for Section 80C deduction, the interest earned is tax-free, and the maturity amount is also tax-free.