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PPF Calculator
Plan your Public Provident Fund savings. Enter your yearly deposit, the interest rate and the tenure, then press Calculate to see the maturity value and how interest builds year by year.
Written by TopicDrill Editorial Team·Updated June 2026
Balance vs deposits
Balance Deposited
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How the PPF calculator works
A PPF account rewards patience. Each year you add a deposit, and the whole balance, including past interest, earns the current rate again. This tool models a deposit at the start of every financial year, applies a full year of interest, and rolls the result forward so the interest you earned earlier keeps earning in later years.
The chart separates the two pieces of your corpus. The shaded area is the closing balance, while the dashed line is the money you actually deposited. The gap between them is pure compound interest, and it widens noticeably in the final few years of the term.
A quick example
Deposit the full limit of one hundred fifty thousand rupees a year at a rate of 7.1 percent for the standard fifteen-year tenure. You contribute twenty-two lakh fifty thousand rupees of your own money, yet the account matures at roughly forty point seven lakh rupees. More than eighteen lakh of the final value is interest you never deposited.
Things to keep in mind
The government revises the PPF rate every quarter, so the long-run return may differ from the single rate you enter here. For the official scheme details and current rate, see National Savings Institute. If you would rather model market-linked monthly investing instead of a fixed deposit, try our SIP calculator.
Frequently asked questions
What is a PPF account?
The Public Provident Fund is a long-term, government-backed savings scheme in India with a fixed tenure of fifteen years. It offers a fixed rate of interest that is set by the government every quarter, and both the interest earned and the maturity amount are exempt from income tax under current rules.
How is PPF interest calculated and compounded?
Interest accrues on the lowest balance in the account between the fifth and the last day of each month, but it is credited only once a year at the end of the financial year. This calculator assumes a single deposit at the start of each year that earns a full year of interest, which keeps the maturity estimate close to a lump-sum-style deposit.
How much can I deposit in PPF each year?
You can deposit a minimum of five hundred rupees and a maximum of one hundred fifty thousand rupees in a single financial year. Deposits above the ceiling do not earn interest, so this tool flags any yearly amount that falls outside the allowed range.
Can I extend a PPF account after fifteen years?
Yes. After the initial fifteen-year term you may extend the account in blocks of five years, either with fresh contributions or by leaving the balance to keep earning interest. Extending the tenure lets the compounding run longer, which can meaningfully raise the final corpus shown by this calculator.
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