PPF calculator

PPF Calculator: Project Long-Term PPF Maturity

The Public Provident Fund is a long-horizon, government-backed savings scheme popular with Indian households for its compounding and tax framing. This PPF calculator projects maturity value from your annual contribution, an assumed interest rate, and tenure — useful for comparing disciplined yearly deposits over 15 years or longer extensions.

Move the sliders for yearly deposit, rate, and years. Outputs are educational estimates only, not investment or tax advice. Contribution caps, notified interest rates, lock-in, and extension rules can change — verify with official sources before acting.

₹1,50,000
₹7
₹15

Estimated PPF maturity value

₹40.7 L

Total contribution₹22.5 L
Estimated interest₹18.2 L
Tenure (years)15

Frequently asked questions

What is a PPF calculator?

A PPF calculator estimates the maturity value of a Public Provident Fund account by applying compound interest each year on your annual contribution plus accumulated balance over the chosen tenure.

What are typical PPF contribution limits?

PPF rules set a minimum and maximum yearly deposit (commonly discussed as ₹500 minimum and ₹1.5 lakh maximum per financial year). Limits and interest rates can change — verify with the Department of Posts, your bank, or official notifications.

Is PPF interest and maturity tax-free?

PPF is widely treated as an EEE instrument under current framing (eligible contribution deduction under Section 80C in the old regime, interest and maturity often tax-exempt within rules). Tax treatment can change; this tool does not compute tax outcomes.

Does this calculator use the official current PPF rate?

The default rate is an illustrative starting point you can change. Official PPF interest is notified by the government periodically. Always confirm the applicable rate for your deposits.

Can I extend PPF beyond 15 years?

PPF accounts typically have a 15-year lock-in with optional extensions in blocks (commonly discussed as 5-year blocks). Extension and withdrawal rules are statutory — confirm before planning large withdrawals.

Explore more: all calculators, the FD Calculator, the NPS Calculator, and old vs new tax regime.