PPF Calculator
Public Provident Fund maturity
PPF takes ₹500 to ₹1,50,000 a year. Amounts outside that are adjusted for the calculation.
Year-by-year breakdown
| Year | Deposit | Interest | Balance |
|---|
Assumes you deposit once a year before 5 April, so the whole amount earns interest for the year. The government sets the PPF rate every quarter; 7.1% has applied since April 2020.
About the PPF Calculator
The Public Provident Fund (PPF) is a 15-year, government-backed savings scheme with tax-free interest and a deduction under Section 80C in the old regime. Enter how much you deposit each year (₹500 to ₹1.5 lakh) and see the maturity value, the interest you earn and the balance year by year, including 5-year extensions after maturity.
- Enter your yearly deposit, between ₹500 and ₹1,50,000.
- Keep the current rate of 7.1% or enter another.
- Choose 15 years or a longer period with extensions.
- Read the maturity value and the year-by-year table.
Frequently asked
How is PPF interest calculated?
Interest is worked out monthly on the lowest balance between the 5th and the last day of the month, and added once a year on 31 March. This calculator assumes you deposit before 5 April, so the whole deposit earns interest for the full year, which gives the highest return.
What is the maturity value of ₹1.5 lakh a year for 15 years?
At 7.1%, depositing ₹1,50,000 every year for 15 years grows to about ₹40.68 lakh: ₹22.5 lakh deposited plus about ₹18.18 lakh of tax-free interest.
Can I extend my PPF account after 15 years?
Yes, in blocks of 5 years, with or without new deposits. Choose 20, 25 or more years above to see the effect of continuing to invest.
Is what I type sent to a server?
No. The tool runs entirely in your browser and there's no server behind it, so what you type never leaves your device and nothing is stored. You can check: it keeps working if you go offline after the page has loaded.
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