CalcBit.
FinancialUpdated 2026-06-14

PPF Calculator

Calculate your PPF maturity amount and total interest. Free PPF calculator with yearly contribution planning.

Calculator widget coming soon. Use the information below to understand this tool.

OverviewHow It WorksFormulaExamplesBenefitsFAQRelated

What is PPF Calculator?

A PPF (Public Provident Fund) calculator estimates the maturity value of your PPF investments. It accounts for annual compounding and shows how your savings grow with tax-free returns under the EEE (Exempt-Exempt-Exempt) category.

How It Works

The calculator applies the annual compounding formula to each year's contribution and accumulated balance. Interest is calculated annually on the PPF balance.

Formula & Calculation Method

Maturity = Sum of all contributions with annual compounding at the applicable rate

PPF interest is compounded yearly. Each year, interest is calculated on the accumulated balance and added to the principal at the end of the financial year.

Examples

15-Year PPF

1Annual contribution: ₹1,50,000

2Interest rate: 7.1%

3Total invested: ₹22,50,000

4Total interest: ~₹18,18,327

5Maturity: ~₹40,68,327

Maturity Amount: ~₹40,68,327

Benefits

  • 1
    Tax-free returns (EEE status)
  • 2
    Guaranteed government-backed returns
  • 3
    Section 80C deduction up to ₹1.5 lakh
  • 4
    Long-term wealth creation
  • 5
    Extension facility after 15 years

Common Use Cases

Retirement planningChild education fundLong-term tax-free savingsWealth preservationDiversified investment portfolio

Expert Tips

  • 1
    Invest early in the financial year for maximum interest
  • 2
    Maximize the ₹1.5 lakh annual limit
  • 3
    Consider PPF as part of your debt allocation
  • 4
    Extend the account in blocks of 5 years after maturity

Common Mistakes to Avoid

  • !
    Missing annual minimum contribution
  • !
    Not maximizing the ₹1.5 lakh limit
  • !
    Premature closure (not allowed before 15 years except in special cases)
  • !
    Not extending after maturity

Frequently Asked Questions

Find answers to common questions about this calculator below.

PPF interest is compounded annually and credited at the end of each financial year. The current PPF interest rate (Q1 FY 2025-26) is 7.1% per annum. Interest is calculated on the lowest balance between the 5th and the end of the month.

The minimum annual PPF contribution is ₹500 and the maximum is ₹1,50,000 per financial year. Contributions above ₹1.5 lakh do not earn interest and are not eligible for 80C deduction.

PPF has a lock-in period of 15 years. After maturity, you can extend the account in blocks of 5 years with or without further contributions.

At the current 7.1% rate, investing ₹1.5 lakh annually in PPF for 15 years will yield approximately ₹40,68,327, with total interest of ₹18,18,327 on total contributions of ₹22,50,000.

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