PPF Calculator
Estimate your Public Provident Fund maturity amount, total interest earned, and year-wise growth based on current PPF rules.
Interactive Charts
Investment vs Interest
Year-wise Balance Growth
Annual Interest
Portfolio Growth
Year-wise Investment Schedule
| Year | Opening Balance | Investment | Interest Earned | Closing Balance |
|---|
Calculate to see your year-wise investment schedule.
Compare PPF With Other Investments
| Scheme | Assumed Rate | Maturity Amount | Total Interest |
|---|
Select a scheme above to compare it with your PPF projection.
Comparison figures are indicative estimates using standard compound-interest formulas and the assumed rates above — actual returns for market-linked options like SIP and NPS are not guaranteed and will vary.
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What is PPF?
The Public Provident Fund (PPF) is a long-term, government-backed savings scheme in India offering guaranteed, tax-free returns. It has a minimum lock-in period of 15 years, which can be extended indefinitely in blocks of 5 years.
Interest is compounded annually, and both the interest earned and maturity amount are exempt from income tax under the current EEE (Exempt-Exempt-Exempt) tax treatment.
How This Calculator Works
Annual Compounding Model
This calculator applies the standard model used by most public PPF calculators: your yearly contribution is treated as a lump sum, and interest is credited once a year on your opening balance plus that year's contribution.
Why Results May Differ Slightly
The official PPF scheme technically calculates interest monthly on the lowest balance between the 5th and last day of each month. If you deposit in monthly instalments rather than as a lump sum, your actual maturity amount may differ slightly from this estimate.
Extensions
After the initial 15-year term, you can extend your account in 5-year blocks — with or without further contributions — up to a total duration of 50 years, as modeled by the duration options above.
FAQs
A PPF Calculator is a tool that estimates the maturity amount, total interest earned, and year-wise balance growth of a Public Provident Fund account, based on your yearly investment, interest rate, and investment duration.
Interest is compounded annually on the balance in your account. This calculator uses the standard model of applying interest once a year to your opening balance plus that year's contribution, which is how most public PPF calculators estimate returns.
The PPF interest rate is set by the Government of India and reviewed quarterly. This calculator defaults to 7.1% but you can edit the rate field to match the current or any assumed rate.
You can invest a minimum of ₹500 and a maximum of ₹1,50,000 in a PPF account in a single financial year.
Yes. After the initial 15-year lock-in period, a PPF account can be extended indefinitely in blocks of 5 years, with or without making further contributions.
PPF has EEE (Exempt-Exempt-Exempt) tax status in India — the amount invested, the interest earned, and the maturity amount are all exempt from income tax, subject to the prevailing tax rules.
Each year, interest is calculated on your account balance and added to it. In the following year, interest is earned on this new, larger balance too — so your returns compound and grow faster over time.
Partial withdrawals are allowed from the 7th financial year onward, subject to government rules and limits. Full withdrawal is available at maturity after 15 years (or after any 5-year extension block).