PPF Calculator
Find the maturity value of your Public Provident Fund for any yearly deposit from ₹500 to ₹1.5 lakh. See the tax-free interest, extended 20 and 25 year options, and a year-by-year growth table.
Assumes you deposit before 5 April each year, so the full amount earns interest for the year.
Calculate your PPF maturity in 3 steps
Anything from ₹500 to ₹1,50,000 per financial year.
The current PPF rate is filled in. Choose 15 years, or 20/25 years if you plan to extend in 5-year blocks.
Maturity value, total deposits and tax-free interest appear instantly. Open the year-by-year table to see the balance grow.
Where it helps
PPF deposits qualify for Section 80C (old regime), and interest and maturity are tax-free.
See what a steady yearly deposit grows to over 15 to 25 years.
Use PPF as the safe, government-backed part of your long-term savings.
Compare guaranteed, tax-free PPF growth against FDs and market-linked SIPs.
Benefits
- Uses the current PPF rate, editable for future changes.
- 15, 20 and 25 year options for extended accounts.
- Year-by-year table of deposits, interest and balance.
- Free and private — nothing is uploaded.
How PPF interest works
PPF is a government-backed savings scheme with a 15-year lock-in. The interest rate is set by the Government of India every quarter (7.1% per year at present). Interest is calculated monthly on the lowest balance between the 5th and the last day of each month, but it is credited only once a year, on 31 March.
This is why the deposit date matters: money deposited by 5 April earns interest for the whole year, while money deposited on 6 April misses that month. The calculator assumes you deposit by 5 April each year, which gives the maximum possible value. Formula: each year, Balance = (previous balance + deposit) × (1 + rate).
Example: ₹1,50,000 every year for 15 years at 7.1% grows to about ₹40.68 lakh. You deposit ₹22.5 lakh, and the remaining ₹18.18 lakh is interest — all of it tax-free. Extending by 5 more years with contributions takes it to about ₹66.58 lakh at 20 years.
After 15 years you can close the account, extend it for 5 years with fresh deposits, or extend it without deposits (the balance keeps earning interest). Partial withdrawals are allowed from the 7th financial year, and a loan against PPF is available from the 3rd to the 6th year.
More money calculators
Important note
This tool provides an estimate based on the values you enter. Actual loan, tax, salary or investment results can differ. Verify important financial decisions with the relevant lender, employer, tax rules or qualified professional.
Frequently asked questions
What is the current PPF interest rate?
7.1% per year, compounded annually. The government reviews it every quarter, so you can change the rate field if it is revised.
How much will I get if I invest ₹1.5 lakh in PPF for 15 years?
At 7.1%, depositing ₹1,50,000 by 5 April every year for 15 years gives about ₹40.68 lakh at maturity — ₹22.5 lakh deposited and about ₹18.18 lakh tax-free interest.
What are the minimum and maximum PPF deposits?
Minimum ₹500 and maximum ₹1,50,000 per financial year. You can deposit in a lump sum or in up to 12 instalments in a year.
Is PPF interest tax-free?
Yes. PPF is in the EEE category: deposits qualify for Section 80C deduction (old tax regime), and both interest and the maturity amount are fully tax-free.
Can I extend my PPF account after 15 years?
Yes, in blocks of 5 years, with or without fresh deposits. To continue depositing, submit the extension form within one year of maturity.
Why deposit before 5 April?
PPF interest for a month is calculated on the lowest balance between the 5th and the month-end. Depositing by the 5th of April means the full amount earns interest for all 12 months of the financial year.
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