🏦 PPF: Calculator

Estimate your Public Provident Fund maturity value and interest, year by year.

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MATURITY VALUE
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after 15 years
Total Invested
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Total Interest
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YearDepositInterestBalance

How the PPF Calculator Works

The Public Provident Fund (PPF) is a long-term Indian government savings scheme with a 15-year lock-in, sovereign backing, and returns that are fully tax-exempt under the EEE (Exempt-Exempt-Exempt) structure. This calculator assumes your full annual contribution is deposited at the start of each financial year and compounds annually at the prevailing PPF rate, which the government revises every quarter.

Balance after Year N = (Balance after Year N−1 + Annual Deposit) × (1 + Rate)
Maturity Value = Balance after the final year of the chosen tenure

Contribution Limits

You can deposit a minimum of ₹500 and a maximum of ₹1,50,000 into a PPF account in a single financial year, in up to 12 installments. Deposits beyond ₹1.5 lakh in a year do not earn interest and are not eligible for tax deduction.

Extending Beyond 15 Years

A PPF account matures after 15 years, but it can be extended indefinitely in blocks of 5 years, either with further contributions or without. This calculator lets you model 15, 20, 25, or 30-year horizons to see how compounding accelerates the longer the account stays open.

Note: The PPF interest rate is set by the Indian government every quarter and can change. This calculator defaults to the rate in effect for the Jan–Mar 2026 quarter (7.1%) — always confirm the current rate on the official India Post or PPF portal before making investment decisions.

📎 Related Tools: EPF Calculator SIP Calculator Compound Interest Calculator Income Tax Calculator

❓ Frequently Asked Questions

What is the current PPF interest rate?
As of the Jan–Mar 2026 quarter, the PPF interest rate is 7.1% per annum, compounded annually. The government reviews and can revise this rate every quarter, so always check the latest official rate before investing.
What is the minimum and maximum I can deposit in a PPF account each year?
You can deposit a minimum of ₹500 and a maximum of ₹1,50,000 per financial year, split across up to 12 deposits. Amounts above ₹1.5 lakh in a year don't earn interest.
Is PPF interest taxable?
No. PPF falls under the EEE (Exempt-Exempt-Exempt) tax category in India — your contribution (up to ₹1.5 lakh under Section 80C of the old tax regime), the interest earned, and the maturity amount are all tax-free.
Can I withdraw from PPF before 15 years?
Partial withdrawals are allowed from the 7th financial year onward, subject to limits, and premature closure is allowed only in specific cases like medical emergencies or higher education, usually with a reduced interest rate penalty.
What happens after the 15-year PPF tenure ends?
You can withdraw the full maturity amount, or extend the account in blocks of 5 years — either continuing to contribute (this calculator's 20/25/30-year options) or keeping it open without further deposits while it still earns interest.

🏆 About This Tool — Accuracy & Trust

🔒 Data Privacy: All calculations run entirely within your browser using JavaScript. Nothing you enter here is ever transmitted to our servers, stored, sold, or shared.

📐 Accuracy Note: This tool uses standard, widely published formulas and guidelines. Results are estimates for informational purposes; for financial, medical, or engineering decisions, consult a licensed professional.

📅 Last Updated: September 2026.