PPF Calculator
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PPF Calculator summary
Calculation schedule
Figures may be rounded for display.
Saved calculations
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PPF calculator formula
The calculator adds the yearly deposit and then applies the assumed PPF interest. It repeats the same steps for every projection year.
For an early-year deposit: Interest for the year = (opening balance + deposit) × assumed rate Closing balance = opening balance + deposit + interest Total deposits = annual deposit × number of years Estimated interest = projected value − total deposits
Real PPF interest is based on monthly balances and is credited after the financial year. An early yearly deposit is a simple full-year example.
The Government reviews the PPF rate every quarter. One rate for 15 or more years is only an assumption.
Example with numbers
Deposit ₹1,50,000 near the start of each financial year for 15 years. Total deposits are ₹22,50,000. At a steady 7.1% rate, the estimated value is about ₹40,68,208. Real PPF rates across 15 years will change.
What is a PPF calculator?
PPF means Public Provident Fund. It is a government small-savings scheme with yearly deposit limits and rules for maturity, extension, loans and withdrawals.
This PPF calculator estimates how deposits may grow. It shows your deposits and estimated interest separately.
How to use the PPF calculator
- Enter the yearly PPF deposit within the current scheme limit.
- Enter the opening financial year.
- Choose a 15, 20 or 25-year projection.
- Use Advanced options only to change the rate or deposit timing, then check the yearly table.
What the results mean
- Total deposits: yearly deposit multiplied by projection years.
- Estimated interest: projected value minus deposits.
- Projected value: estimated balance under the chosen rate.
- Projection year: a simple calendar guide; the actual maturity rule uses complete financial years.
How this PPF calculator works
The opening balance, new deposit and yearly interest create the closing balance. That closing balance becomes the next year’s opening balance.
A 20 or 25-year case assumes continued deposits during five-year extension blocks. Real extension instructions must be completed with the account office.
Why a PPF calculator is useful
- It shows deposits and interest separately.
- It can test one or two five-year extension blocks.
- It makes the effect of an early deposit easy to see.
- The average rate can be changed when new rates are notified.
Why the PPF passbook may show another amount
Actual quarterly rates, deposit dates, loans, withdrawals and account-office rounding affect the passbook.
PPF matures after fifteen complete financial years from the end of the opening year. A simple projection year does not replace the official maturity date.
Sources
- National Savings Institute: Public Provident Fund Account
- National Savings Institute: Public Provident Fund Scheme, 2019
- National Savings Institute: current small-savings rates
Rule and source review: Rules and 7.1% current-rate assumption reviewed 31 August 2026 for 1 July–30 September 2026. Future rates are unknown.
Disclaimer
This PPF calculator is an educational projection, not a passbook or guaranteed maturity quote. PPF rates and scheme rules can change. Check the latest government notification and your account records before relying on the result.
Frequently asked questions
What PPF rate does the calculator use?
If the rate is blank, it uses the saved current assumption shown beside the calculator. Future quarterly rates can change.
What are the yearly PPF deposit limits?
The current scheme range shown by the calculator is ₹500 to ₹1,50,000 in one financial year.
When does PPF mature?
It matures after fifteen complete financial years from the end of the opening financial year.
Can PPF continue after maturity?
The scheme allows five-year extension blocks under its conditions. This calculator can show 20 and 25-year cases.
Why can an early deposit earn more?
Money deposited earlier can remain in the balance for more interest-calculation months.