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Investment & Retirement Calculators

PPF Calculator

Public Provident Fund maturity for a 15-year (extendable) scheme.

Enter your details

₹
Minimum ₹500 and maximum ₹1,50,000 in a financial year (all your PPF accounts combined).
%
Default is the rate notified for Q3 FY 2026-27 (1 Oct to 31 Dec 2026). The Government resets the rate every quarter; confirm on indiapost.gov.in or your bank.
15 years; extendable in blocks of 5 years (15, 20, 25 …).
Estimate only. Results depend on the inputs and the rules and rates described below. Verify with the official source or a professional before filing or investing; this is not tax, legal or investment advice.

How it is calculated

Monthly interest = Balance × (rate ÷ 12), computed on the balance after that month's deposit (deposits made by the 5th). The 12 monthly amounts are added to the balance on 31 March, then the next year's deposits are added; so interest compounds annually.

Worked example

₹1,50,000 deposited every April for 15 years at 7.1%: maturity ≈ ₹40.7 lakh on total deposits of ₹22.5 lakh (interest ≈ ₹18.2 lakh).

About the PPF Calculator

Public Provident Fund maturity for a 15-year (extendable) scheme. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.

What you need to enter

You will be asked for yearly deposit, ppf interest rate (p.a.) – editable, tenure (years), how you deposit. Fields marked * are required. Every field shows a hint and the allowed range.

How to use it

  1. Fill in the inputs (sample values are pre-filled so you can see how it works).
  2. Press Calculate to see the result, breakdown and chart.
  3. Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.

Who it helps

Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.

Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.

Frequently asked questions

What are the PPF deposit limits?

Minimum ₹500 and maximum ₹1,50,000 in a financial year across all your PPF accounts. Deposits above the limit earn no interest and are not eligible for deduction.

Why does the deposit date matter?

Deposits made on or before the 5th of a month earn interest for that month. Depositing the full yearly amount in April therefore earns more than spreading it through the year.

Is the PPF rate fixed for 15 years?

No. The Government notifies the rate every quarter and it applies to the whole balance. That is why the rate here is an editable input.

Need help beyond the calculator?

Talk to our tax and compliance team for advice based on your documents.

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