PPF Calculator
Maturity value
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- Amount invested
- Interest earned
- Amount invested
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- Interest earned
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- Maturity value
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Illustrative estimates only, based on the assumptions you choose. Actual returns, rates and costs will vary.
Year-by-year breakdown
| Year | Deposit | Interest | Balance at year end |
|---|
About the PPF calculator
The Public Provident Fund (PPF) is a government-backed savings scheme with a 15-year term. Deposits qualify for deduction under Section 80C (old tax regime), and the interest and maturity amount are tax-free.
This calculator assumes you deposit the same amount at the start of each year and that the interest rate stays the same.
How to use it
- Move the sliders, or type a value into each box.
- Watch the results and chart update as you go.
- Try different assumptions to see what changes the outcome most, then talk to us about a plan.
The formula
Each year: balance = (balance + deposit) × (1 + r)
- r: annual PPF interest rate
- Deposits made by 5 April earn interest for the whole year
Example
Investing ₹1,50,000 every year for 15 years at 7.1%, you invest ₹22,50,000 and the account could be worth about ₹40,68,209 at maturity.
PPF Calculator: common questions
Partial withdrawals are allowed from the 7th financial year, within limits. Loans against the balance are available from the 3rd to the 6th year.
No. The government reviews it every quarter, so your actual returns may differ from this estimate.
You can withdraw the full amount, or extend the account in blocks of 5 years, with or without fresh deposits.
Want a plan, not just a number?
Book a free financial checkup and we'll turn these estimates into a plan that fits your life.