PPF Calculator (Public Provident Fund)
Enter the yearly deposit, the current rate and the number of years to see the maturity value and a year-by-year table.
Result
- Total deposited
- ₹22,50,000.00
- Interest earned
- ₹18,18,209.22
- Assumes the full deposit is made at the start of each year and the rate stays the same. The government sets the PPF rate every quarter, so type the current rate. Deposits before the 5th of each month earn that month's interest.
| Year | Total deposited | Interest in the year | Balance |
|---|---|---|---|
| 1 | ₹1,50,000.00 | ₹10,650.00 | ₹1,60,650.00 |
| 2 | ₹3,00,000.00 | ₹22,056.15 | ₹3,32,706.15 |
| 3 | ₹4,50,000.00 | ₹34,272.14 | ₹5,16,978.29 |
| 4 | ₹6,00,000.00 | ₹47,355.46 | ₹7,14,333.75 |
| 5 | ₹7,50,000.00 | ₹61,367.70 | ₹9,25,701.44 |
| 6 | ₹9,00,000.00 | ₹76,374.80 | ₹11,52,076.24 |
| 7 | ₹10,50,000.00 | ₹92,447.41 | ₹13,94,523.66 |
| 8 | ₹12,00,000.00 | ₹1,09,661.18 | ₹16,54,184.84 |
| 9 | ₹13,50,000.00 | ₹1,28,097.12 | ₹19,32,281.96 |
| 10 | ₹15,00,000.00 | ₹1,47,842.02 | ₹22,30,123.98 |
| 11 | ₹16,50,000.00 | ₹1,68,988.80 | ₹25,49,112.78 |
| 12 | ₹18,00,000.00 | ₹1,91,637.01 | ₹28,90,749.79 |
| 13 | ₹19,50,000.00 | ₹2,15,893.23 | ₹32,56,643.02 |
| 14 | ₹21,00,000.00 | ₹2,41,871.65 | ₹36,48,514.68 |
| 15 | ₹22,50,000.00 | ₹2,69,694.54 | ₹40,68,209.22 |
How to use PPF Calculator (Public Provident Fund)
- Enter the amount you deposit each year (₹500 to ₹1,50,000).
- Enter the current PPF interest rate.
- Enter the number of years, 15 for the standard term.
- Read the maturity value and the table.
About this tool
The Public Provident Fund (PPF) is a government-backed long-term savings scheme with a standard term of 15 years. The interest rate is set by the government and can change every quarter.
This calculator assumes the full yearly deposit is made at the start of each year and the rate stays the same. In practice the rate can change, so treat the result as an estimate and enter the latest rate.
How it is calculated
Each year: balance = (previous balance + deposit) × (1 + rate). The maturity value is the balance after the last year.
Worked examples
- ₹1,50,000 a year at 7.1% for 15 years: maturity ₹40,68,209.22, from ₹22,50,000.00 deposited.
Tips for better results
- Check the current rate on the official post office or bank site and enter it.
- Deposits made before the 5th of the month earn that month's interest, so time them.
- A PPF account can be extended after 15 years in blocks of 5 years.
Frequently asked questions
How is PPF calculated?
Interest is added once a year on the balance, and the deposit for the year is added at the start in this estimate.
What is the maximum PPF deposit in a year?
₹1,50,000. The minimum is ₹500. Check the latest rules with your bank or post office.
Is this the figure my bank will give me?
It is an estimate from the numbers you enter. Banks may use slightly different rounding, day counts, fees and taxes, so check the final figure with your bank. This is not financial advice.
Are my numbers saved or sent anywhere?
No. The calculation runs in your browser on your own device. Nothing you type is sent to Paul Digital or any other server.
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- FD Calculator (Fixed Deposit)
- RD Calculator (Recurring Deposit)
- Compound Interest Calculator
- EMI Calculator
- All web tools
Privacy
The calculation runs in your browser on your own device. The numbers you type are not sent to Paul Digital or any other server. Results are estimates from the numbers you enter and are not financial, tax or legal advice.