PPF Calculator

Estimate the maturity value, total deposits and interest for a Public Provident Fund account over its standard 15-year term.

Deposit Timing

How PPF Works

  • Lock-in period is 15 years.
  • Interest is compounded annually.
  • Interest and maturity are generally exempt under prevailing rules; contribution deductions depend on the tax regime and overall limits.

Total Maturity Value

₹

Total Invested

₹

Interest Earned

₹

* Tip: Depositing before the 5th of the month (or start of the financial year) maximizes your compounding returns!

How the PPF estimate is calculated

The calculator adds the selected monthly or yearly deposit, applies one-twelfth of the annual rate to the eligible balance during each month, and credits the accumulated interest after each completed year. Deposits continue for 15 years.

Deposit

Monthly deposits are multiplied across 12 months; yearly deposits are added once.

Timing

The before/after-5th option approximates whether a deposit earns interest for that month.

Rate

The entered rate is held constant for the full projection even though the government reviews PPF rates quarterly.

Rate reviewed on 4 July 2026: 7.1% for July–September 2026. Actual account interest follows notified rates for each period and may differ from this constant-rate estimate.

Worked PPF example

Using the page defaults—₹12,500 deposited monthly by the 5th, a constant 7.1% annual rate and 15 years—the calculator estimates:

Total deposited
₹22,50,000
Estimated interest
₹16,94,599
Estimated maturity
₹39,44,599

Frequently asked questions

Is 7.1% guaranteed for all 15 years?

No. The government reviews the PPF rate quarterly. This calculator keeps 7.1% constant only to provide a comparable planning estimate.

Why does deposit timing matter?

PPF interest eligibility depends on the balance during the prescribed monthly window. Depositing by the 5th generally allows that deposit to count for the month.

Does this include extensions, withdrawals or loans?

No. It models a straightforward 15-year contribution scenario and does not model extensions, partial withdrawals, loans, missed deposits or penalties.