PPF Calculator
Project your tax-free PPF maturity and interest earned.
🔒 Everything runs in your browser — nothing is uploaded
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Yr
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Your Investment Results
Invested amount, interest earned and maturity value:
Invested amount
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Interest earnerd
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Maturity value
₹
PPF Growth Schedule
| Year | Total Contribution | Returns Earned | Closing Balance |
|---|---|---|---|
| ₹ | ₹ | ₹ |
What Is a PPF Calculator?
The PPF Calculator helps you estimate the maturity amount and interest earned on your annual PPF (Public Provident Fund) contributions. It factors in the current PPF interest rate (typically ~7.1%) and compounding on a yearly basis, helping you plan long-term savings for tax-efficient, retirement, or goal-based investing.
How Does PPF Work?
On each annual contribution:
- Deposit is made by March 31 for interest to accrue for the full year
- Returns are compounded yearly at the PPF rate
- The scheme matures in 15 years by default and can be extended in blocks of 5
Use the formula to calculate:
FV = Σ [P × (1 + r)ⁿ]
Where *P* is annual contribution, *r* is annual interest rate, and
*n* is number of years left.
Why Use a PPF Calculator?
- Tax-efficient savings: PPF contributions and maturity are tax-exempt under Section 80C and EEE status.
- Long-term wealth creation: Predict how your small annual contributions grow over 15+ years.
- Retirement planning: Estimate corpus to complement your pension or investments.
- Plan contributions: See impact of investing full vs partial annual limit (₹1.5L).
Frequently Asked Questions
What is the current interest rate for PPF? ▼
PPF interest is set by the Government of India quarterly, currently around 7.1%. Always check the official government channel for the latest rate updates.
Can I contribute more than ₹1.5 lakh per year? ▼
No, the maximum contribution allowed per financial year is ₹1.5 lakh. Excess will not earn interest or be eligible for tax deduction.
What happens after 15-year maturity? ▼
You can extend the PPF in blocks of 5 years, with or without contributions. Partial withdrawals are allowed after the 5th year under certain conditions.