PPF Calculator
Calculate your PPF maturity amount, total investment and estimated interest.
Plan your PPF maturity
Use the current rate or enter a projection rate. Annual contribution is capped at ₹1.5 lakh under the current reference limit.
Estimated tax treatment is generally exempt under prevailing PPF rules, subject to applicable law.
Contributions vs interest
Compounding in action
Your balance grows faster later because interest earns interest.
Year-by-year breakdown
| Year | Contribution | Interest | Closing balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,056 | ₹1,60,056 |
| 2 | ₹1,50,000 | ₹21,798 | ₹3,31,854 |
| 3 | ₹1,50,000 | ₹34,400 | ₹5,16,254 |
| 4 | ₹1,50,000 | ₹47,927 | ₹7,14,182 |
| 5 | ₹1,50,000 | ₹62,446 | ₹9,26,628 |
How much should I invest monthly?
Estimate the contribution needed for a target PPF value.
Within the current ₹1.5L reference limit
What happens if I invest more?
| Annual contribution | Total investment | Interest | Maturity |
|---|---|---|---|
| ₹50,000 | ₹7,50,000 | ₹6.26 L | ₹13.76 L |
| ₹1,00,000 | ₹15,00,000 | ₹12.52 L | ₹27.52 L |
| ₹1,50,000 | ₹22,50,000 | ₹18.78 L | ₹41.28 L |
See the impact of extensions
| Period | Investment | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹22,50,000 | ₹18.78 L | ₹41.28 L |
| 20 years | ₹30,00,000 | ₹38.07 L | ₹68.07 L |
| 25 years | ₹37,50,000 | ₹68.75 L | ₹1.06 Cr |
| 30 years | ₹45,00,000 | ₹1.16 Cr | ₹1.61 Cr |
What happens after 15 years?
PPF accounts can generally be extended in five-year blocks, subject to the applicable rules.
Calculation assumptions
Interest is estimated monthly using the selected annual rate and contribution timing. PPF interest rules, rates and contribution limits can change; the current ₹1.5 lakh annual limit and 7.10% rate are configurable assumptions.
View calculation details
For each month, contributions are added according to the selected frequency and timing. Interest is then estimated on the balance, using the selected annual rate divided by 12. This is an educational estimate and not an official account statement.
How PPF interest works
PPF is a long-term government-backed savings scheme. Interest is calculated according to applicable PPF rules and credited annually. Contribution timing can affect the estimated interest.
PPF withdrawal and loan
Partial withdrawals and loan facilities may be available subject to account age, applicable rules and eligibility. Check the current official rules before acting.
PPF extension
After the initial 15-year maturity period, account holders may generally extend in five-year blocks with or without contributions, subject to the applicable rules.
Tax benefits
Contributions, interest and maturity are generally treated favorably under prevailing PPF rules, subject to applicable law and financial-year requirements.
PPF Calculator FAQs
What is the PPF maturity period?
The initial PPF period is generally 15 years, subject to applicable rules.
Can I extend PPF after 15 years?
PPF can generally be extended in five-year blocks with or without contributions.
What is the current PPF rate?
Rules, rates and eligibility can change. Use this calculator as an estimate and verify current official guidance.
When can I withdraw from PPF?
Rules, rates and eligibility can change. Use this calculator as an estimate and verify current official guidance.
Is PPF interest tax-free?
Rules, rates and eligibility can change. Use this calculator as an estimate and verify current official guidance.
What is the PPF annual contribution limit?
The current reference limit used here is ₹1.5 lakh per financial year, but rules can change.
PPF results are estimates based on configurable assumptions. Government rates, contribution limits, timing rules, withdrawal eligibility and tax treatment may change. Verify current rules before investing.
HOW IT WORKS
Project your PPF savings.
Enter your yearly contribution and assumed rate to estimate the value of your PPF investment.
1. Enter contributions
Set the annual deposit amount and investment duration.
2. Set the interest rate
Enter the rate to use for this estimate.
3. Review the projection
See the estimated total contributions, interest, and maturity balance.