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Public Provident Fund (PPF) Calculator

Calculate PPF maturity with year-wise breakdown (minimum 15 years)

in ₹

years

% per year

in ₹

Maturity amount

₹40,68,209

Total investment
₹22,50,000
Interest earned
₹18,18,209
Maturity amount
₹40,68,209
yearopening_balanceyearly_depositinterest_earnedclosing_balance
101,50,00010,6501,60,650
21,60,6501,50,00022,056.153,32,706.15
33,32,706.151,50,00034,272.145,16,978.29
45,16,978.291,50,00047,355.467,14,333.75
57,14,333.751,50,00061,367.79,25,701.44
69,25,701.441,50,00076,374.811,52,076.24
711,52,076.241,50,00092,447.4113,94,523.66
813,94,523.661,50,0001,09,661.1816,54,184.84
916,54,184.841,50,0001,28,097.1219,32,281.96
1019,32,281.961,50,0001,47,842.0222,30,123.98
1122,30,123.981,50,0001,68,988.825,49,112.78
1225,49,112.781,50,0001,91,637.0128,90,749.79
1328,90,749.791,50,0002,15,893.2332,56,643.02
1432,56,643.021,50,0002,41,871.6536,48,514.68
1536,48,514.681,50,0002,69,694.5440,68,209.22

What this calculator does

PPF stands for Public Provident Fund. It is a long-term savings and investment scheme backed by the Government of India, mainly used for secure savings and tax benefits. PPF comes with a 15-year lock-in period, offers guaranteed returns, and is suitable for individuals looking to build wealth steadily with low risk. PPF investments also qualify for tax benefits under Section 80C, and the interest earned and maturity amount are tax-free, making it a popular choice for long-term financial planning. Use the PPF Calculator to estimate your maturity value and plan your savings effectively.

How it is calculated

A = P \times \frac{[(1 + r)^n - 1]}{r}

Where A = Maturity amount, P = Annual investment amount, r = Annual interest rate, n = Number of years

Worked example

An individual invests ₹2,00,000 every year in a PPF account for 15 years at 7.1% interest rate

Using the PPF formula with yearly compounding

Maturity amount: ₹54,24,279 (Total Investment: ₹30 lakh, Interest Earned: ₹24.24 lakh)

  • Minimum investment: ₹500 per year; Maximum: ₹1.5 lakh per year
  • Can make deposits in lumpsum or up to 12 installments per year
  • Lock-in period of 15 years; extendable in blocks of 5 years
  • Partial withdrawal allowed after 5th year (limited to 50% of balance)
  • Loan available from 3rd to 6th year (up to 25% of balance)

Tax and compliance notes

  • Contributions qualify for Section 80C deduction (up to ₹1.5 lakh)
  • Interest earned is completely tax-free
  • Maturity amount is tax-free (EEE status)
  • No TDS applicable on PPF accounts
  • Can be opened for minors; guardian can claim 80C deduction

How Can a PPF Calculator Help You?

A PPF calculator helps you estimate the maturity value of your investment based on your yearly contribution, interest rate, and investment duration.

  1. Estimate Investment Growth. It helps you clearly see how regular yearly investments grow over time through compound interest until maturity.
  2. Plan Long-Term Savings. It enables you to plan long-term financial goals like retirement or education by showing expected returns in advance.
  3. Compare Contribution Amounts. It allows you to test different annual investment amounts and understand how each option impacts your final maturity value.
  4. Avoid Manual Calculations. It removes the need for complex formulas and manual calculations, saving time and reducing the risk of errors.

How to Use the PPF Calculator

Using the PPF calculator is simple and requires only a few details:

  1. Enter the yearly investment amount. Input how much you plan to invest every year in your PPF account.
  2. Select the investment period. Choose the duration, usually starting with the standard 15-year period.
  3. Check the interest rate. Enter or verify the current applicable PPF interest rate.
  4. View your results instantly. The calculator shows your total investment, interest earned, and maturity amount.

Advantages of Using a PPF Calculator

Using a PPF calculator offers several benefits when planning long-term investments:

  1. Accurate return estimation. It helps you calculate expected maturity value without calculation errors.
  2. Better financial planning. It allows you to plan long-term goals like retirement, education, or wealth creation.
  3. Time-saving and simple. It eliminates the need for complex formulas and manual effort.
  4. Helps compare scenarios. You can change investment amounts or duration to see how returns vary.

Planning Beyond PPF

PPF is a strong long-term savings option, but it is usually just one part of a broader tax-saving and financial plan. To make the most of your investments, it's important to understand how PPF fits alongside other tax-saving options and long-term financial goals. FylFlix helps you analyse your tax-saving investments, including PPF, in the context of your overall finances. It provides clearer visibility into how different savings and tax decisions work together, helping you plan more effectively beyond individual calculations.

Current rates

  • PPF Interest Rate (Q2 FY 2025-26)

    7.1% p.a.

    Source: Government of India notification, July-Sep 2025

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