PPF Calculator
Free PPF calculator. Work out your Public Provident Fund maturity value, total investment and interest earned with a year-by-year table at the current PPF rate.
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🔒 Calculated entirely in your browser — your figures are never sent to a server. PPF returns are tax-free, but the interest rate is set by the government and may change.
Free PPF Calculator
This free online PPF calculator shows exactly how much your Public Provident Fund account will be worth at maturity. Enter your yearly deposit, the interest rate and the number of years, and instantly see your maturity value, total amount invested and the interest you’ll earn — along with a clear year-by-year growth table. It’s completely free and runs entirely in your browser.
How to use the PPF calculator
- Enter your yearly investment — any amount up to the ₹1,50,000 annual limit.
- Set the interest rate (the current PPF rate is 7.1% per year).
- Choose the time period in years (minimum 15 years due to the lock-in).
- Read your maturity amount, total invested and total interest earned.
- Scroll the year-by-year table to see how the balance grows each year.
What is PPF?
The Public Provident Fund (PPF) is a long-term, government-backed savings scheme in India that is popular for its safety and tax benefits. It has a 15-year lock-in period, after which you can withdraw the full balance or extend the account in blocks of five years. You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year. PPF enjoys EEE tax status, which means the amount you invest, the interest you earn and the maturity amount are all exempt from income tax.
The interest rate on PPF is set by the government and revised every quarter; it is currently
around 7.1% per year and may change in future quarters. Interest is compounded annually. In simple
terms, each year the interest is calculated on your opening balance plus that year’s deposit, using the formula
interest = (opening balance + deposit) × rate, and this interest is added at the end of the year.
Because the interest compounds, the balance grows faster in the later years — which is why staying invested for
the full 15 years (or longer) makes such a big difference to your final maturity amount.