PPF Calculator
Project your Public Provident Fund balance over 15+ years of yearly deposits.
The Public Provident Fund is India's most popular tax-free long-term savings scheme: a 15-year government-backed account with EEE tax status (exempt on deposit, growth, and withdrawal). Because contributions continue yearly while past balances compound, projecting a final corpus by hand means summing fifteen separate compound growth curves.
This calculator does that annuity math for you. Enter your planned yearly deposit, the current PPF interest rate, and the number of years (15 by default, extendable in 5-year blocks) to see the maturity amount, your total contributions, and the interest the account earned on top.
How to use PPF Calculator
- 1
Enter your yearly deposit
Between the scheme's minimum and the annual cap (₹500–₹1.5 lakh in India).
- 2
Enter the interest rate
The current PPF rate — historically around 7–8%.
- 3
Choose the duration
15 years standard, or 20/25 with extensions.
Features
- Annual compounding matching PPF rules
- Splits final corpus into contributions vs interest
- Supports extended tenures beyond 15 years
Frequently asked questions
Common mistakes to avoid
- Assuming the current interest rate is locked in — PPF rates are revised quarterly by the government.
- Depositing late in the financial year and losing most of that year's interest accrual.
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