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Calculate your PPF maturity amount and total interest. Free PPF calculator with yearly contribution planning.
Calculate your Public Provident Fund returns
Max ₹1.5L/year (₹12,500/month) as per PPF rules
PPF has a 15-year lock-in period with partial withdrawal allowed from Year 7. Interest is compounded annually and is completely tax-free under EEE category.
Maturity Amount
Total Invested
₹9,00,000
Interest Earned
₹7,08,120
Public Provident Fund (PPF): government-backed, EEE tax status, 7.1% p.a., 15-year lock-in, min ₹500 max ₹1.5L/year.
Use our PPF Calculator to get accurate results instantly. You may also want to explore our EPF Calculator or FD Calculator.
The calculator applies the annual compounding formula to each year's contribution and accumulated balance. Interest is calculated annually on the PPF balance.
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Input your ppf calculator parameters including principal amount, interest rate, and tenure.
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Use the sliders or numeric inputs to fine-tune your values for accurate results.
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Your results update in real-time showing EMI, total interest, and total payment.
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Check the amortization schedule, charts, and download the PDF report for your records.
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.
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
Our PPF Calculator uses the standard formula adopted by all major Indian banks and financial institutions. The calculation engine processes your inputs in real-time with 99.9% accuracy. All formulas are verified against official bank calculation methods and regulatory guidelines.
Last reviewed: 2026-06-14. We update our calculations whenever regulatory changes occur (tax slabs, interest rates, TDS rules, etc.).
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.
7.1% (Q1 FY 2025-26). Revised quarterly.
After 15 years: ₹22.5L invested, ~₹40.68L maturity.
Only for terminal illness, higher education, or leaving India.
In 5-year blocks. Continue contributions or not.
Year 3-6: up to 25% of balance. Interest at PPF rate + 1%.
PPF (7.1%) independent. EPF (8.25%) employment-linked.
Cannot open new accounts. Existing can continue but not extend.