Free Online PPF Calculator
A PPF calculator projects maturity from annual deposits using the recurrence balance[y] = (balance[y−1] + deposit) · (1 + rate), compounded once a year.
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Formula: balance[y] = (balance[y−1] + deposit) · (1 + rate). PPF deposits cap at ₹1,50,000 per year.
| Year | Deposit | Interest | Closing balance |
|---|---|---|---|
| 1 | 150,000 | 10,650 | 160,650 |
| 2 | 150,000 | 22,056 | 332,706 |
| 3 | 150,000 | 34,272 | 516,978 |
| 4 | 150,000 | 47,355 | 714,334 |
| 5 | 150,000 | 61,368 | 925,701 |
| 6 | 150,000 | 76,375 | 1,152,076 |
| 7 | 150,000 | 92,447 | 1,394,524 |
| 8 | 150,000 | 109,661 | 1,654,185 |
| 9 | 150,000 | 128,097 | 1,932,282 |
| 10 | 150,000 | 147,842 | 2,230,124 |
| 11 | 150,000 | 168,989 | 2,549,113 |
| 12 | 150,000 | 191,637 | 2,890,750 |
| 13 | 150,000 | 215,893 | 3,256,643 |
| 14 | 150,000 | 241,872 | 3,648,515 |
| 15 | 150,000 | 269,695 | 4,068,209 |
For general info only. PPF rates are revised quarterly by the Government of India. Verify the current rate before planning.
How to Use This Tool
- Enter the amount you plan to deposit each year (cap is ₹1,50,000).
- Adjust the interest rate if the current published rate differs from the default.
- Set the term — 15 years is the standard lock-in.
- Read the maturity value, total deposited and total interest.
- Scroll the year-wise schedule to track the running balance.
What Is a PPF Calculator?
The Public Provident Fund is a long-term government-backed savings scheme in India with a 15-year lock-in, extendable in 5-year blocks. Contributions qualify for the 80C deduction, interest is tax-free and the maturity amount is tax-free — the rare EEE (Exempt-Exempt-Exempt) treatment. The rate is reviewed quarterly by the government and has sat near 7.1% in recent years.
This calculator accepts an annual deposit between ₹500 and ₹1,50,000 (the statutory cap), the current rate and the number of years. It returns the maturity amount, total deposited and total interest earned, plus a year-wise schedule showing each year's deposit, interest credited and closing balance. Parents using PPF as an education corpus often run different deposit levels to see the impact on the final figure.
The PPF rate is set by the Government of India and can change quarter to quarter. The default in this tool reflects the most recent published rate — verify before making long-term plans. General information only, not personalised financial advice.
Frequently Asked Questions
What is the current PPF rate?
What is the deposit limit?
Is PPF tax-free?
Published by the WeGotEveryTool team. We build and test every tool in-house and update pages when the underlying spec, formula, or recommendation changes.
Reviewed: May 2026. Disclaimer: this tool is provided as-is for general informational use. For decisions with material consequences (medical, legal, financial, security) verify results against a qualified professional source.
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