PPF Calculator
Project your Public Provident Fund maturity with annual deposits, lock-in / extension tenure, and a year-wise interest table.
PPF Details
Max ₹1.5 lakh per FY under Section 80C. Min ₹500.
15 years lock-in; extend in blocks of 5 years.
Maturity Value
Tax-free interest · EEE under current rules
₹40,68,209
Growth Over Time
Year-wise Breakdown
| Year | Deposit | Interest | Invested | Balance |
|---|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,50,000 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,00,000 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹4,50,000 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹6,00,000 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹7,50,000 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹9,00,000 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹10,50,000 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹12,00,000 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹13,50,000 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹15,00,000 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹16,50,000 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹18,00,000 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹19,50,000 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹21,00,000 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹22,50,000 | ₹40,68,209 |
About PPF Calculator
The Public Provident Fund (PPF) calculator projects how annual deposits can grow over the statutory 15-year tenure at the interest rate you enter. PPF is a popular EEE-style long-term savings vehicle for Indian residents — this tool is for planning illustrations, not a substitute for Post Office or bank passbook balances.
What is PPF?
PPF is a government-backed savings scheme with a 15-year tenure (extendable in blocks), annual contribution limits, and interest set by the government from time to time. Contributions may qualify for Section 80C subject to overall limits and tax law.
How this calculator works
Enter yearly contribution and an assumed annual rate. The tool compounds yearly and shows maturity path and interest earned. Use the current notified rate when you want a near-term illustration; stress a lower rate for caution.
Worked example
Depositing close to the annual ceiling early in each year typically maximises interest versus depositing late. Missing years or irregular deposits change the path — re-run whenever your contribution pattern changes.
Assumptions and limitations
Uses your entered rate for the whole projection; actual PPF rates can be revised. Withdrawal, loan-against-PPF, and extension rules are simplified. Verify operational rules with your bank or India Post.
Frequently Asked Questions
- What is the PPF lock-in?
- PPF has a 15-year tenure from the end of the year of opening, extendable in 5-year blocks.
- How much can I deposit in PPF each year?
- Up to ₹1.5 lakh per financial year (minimum ₹500). Excess deposits may not earn interest.
- Is PPF interest taxable?
- Under current EEE treatment, interest and maturity are tax-free when rules are followed. Confirm latest tax law.
- When is the best time to deposit for interest?
- Depositing early in the month (before the 5th) helps that month’s balance earn interest under PPF rules.
- Can I partially withdraw from PPF?
- Limited withdrawals are allowed after a set number of years. Check current Post Office / bank PPF rules before planning.