PPF Calculator
Work out what your Public Provident Fund account will hold after 15 years or more, how much of it is tax-free interest, and what to deposit to reach a target.
At a glance
- Calculates PPF maturity and interest the way the scheme works: interest on the lowest balance between the 5th and the end of each month, credited once a year.
- ₹1,50,000 a year for 15 years at 7.1% grows to ₹40,68,209 — ₹22.5 lakh deposited and ₹18.18 lakh of tax-free interest.
- Handles yearly deposits (by 5 April) and monthly deposits (by the 5th): ₹12,500 a month gives about ₹39.45 lakh, a little less because later instalments earn for fewer months.
- Models extensions in 5-year blocks to 20, 25 or 30 years, with or without further deposits — 25 years of full deposits crosses ₹1.03 crore.
- Applies the scheme limits (₹500 to ₹1,50,000 a year) and has a goal mode for the deposit needed to reach a target.
- Year-by-year chart and statement, downloadable as CSV. The rate is editable, because the government reviews it every quarter.
Step by step
How to calculate PPF maturity
- 1
Choose how you deposit
Pick Once a year or Every month.
- 2
Enter the deposit
Type the amount — up to ₹1,50,000 a year in total.
- 3
Check the rate and period
The rate starts at 7.1%; the period is 15 years unless you plan to extend.
- 4
Read the result
See the maturity amount, the interest earned and a statement for every year.
Features
Everything you need, nothing you don’t
Scheme-accurate interest
Follows the 5th-of-the-month rule and yearly crediting rather than a rough formula.
Yearly or monthly
Compare a lump sum every April with a monthly instalment.
Extensions
See the effect of extending for 5, 10 or 15 more years.
Deposit for a goal
Find the yearly or monthly deposit for the amount you want.
Limit checks
Warns when a deposit is above ₹1.5 lakh or below ₹500 a year.
Private
Everything is calculated in your browser.
PPF rules in brief
- Deposit: at least ₹500 and at most ₹1,50,000 in a financial year, in one go or in instalments.
- Interest: set by the government each quarter (7.1% since April 2020), calculated monthly on the lowest balance between the 5th and the month end, and credited on 31 March.
- Term: the account matures 15 full financial years after the year it is opened, and can be extended 5 years at a time.
- Tax: deposits qualify for a deduction under the old tax regime, and the interest and the maturity amount are tax-free.
- Access: loans from the 3rd to the 6th financial year; one partial withdrawal a year from the 7th.
Why the 5th of the month matters
Interest for a month is paid on the lowest balance between the 5th and the last day. Money deposited on or before the 5th counts for that month; money deposited on the 6th earns nothing until the next month. Depositing the whole year’s amount by 5 April earns interest for all twelve months, which is why a yearly lump sum beats twelve instalments.
Maturity for common deposits (15 years, 7.1%)
| Deposit | Total deposited | Maturity amount |
|---|---|---|
| ₹1,000 a month | ₹1,80,000 | ₹3,15,568 |
| ₹5,000 a month | ₹9,00,000 | ₹15,77,840 |
| ₹50,000 a year | ₹7,50,000 | ₹13,56,070 |
| ₹12,500 a month | ₹22,50,000 | ₹39,44,599 |
| ₹1,50,000 a year | ₹22,50,000 | ₹40,68,209 |
FAQ
Frequently asked questions
How much will I get from PPF after 15 years?
What is the current PPF interest rate?
Is it better to deposit yearly or monthly?
Can I continue PPF after 15 years?
Is PPF interest taxable?
Is my data stored?
Keep going
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