PPF Calculator
Public Provident Fund maturity with 5-year extension blocks, EEE tax benefit estimate and a full year-by-year table.
| Year | Opening | Deposit | Interest | Closing |
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Assumes each year’s deposit is made at the start of the financial year and compounds annually at the entered rate; the government revises the PPF rate every quarter, so actual crediting follows scheme rules. PPF is EEE: deposits qualify for 80C deduction (old regime, up to ₹1,50,000 a year), interest is tax-free and maturity is tax-free. Deposits above ₹1,50,000 a year earn no interest, so this calculator caps the yearly deposit at ₹1,50,000. Deposit before 5 April (early in the financial year) to earn interest for the full year. After 15 years you may extend in 5-year blocks, with or without fresh deposits.
What is PPF Calculator?
PPF Calculator is a free online calculator that calculate Public Provident Fund maturity over 15 years and beyond. Enter your numbers, and it instantly shows the full breakup, with no sign-up, no app, and everything working right in your browser. It also shows a colourful chart of the breakup, so you can see at a glance how much is your own money and how much is growth or interest.
You can change any value to compare scenarios side by side, which makes it easy to plan before you commit to a real decision.
Key Features
- Instant results, with the full breakup shown on page load
- A colourful donut chart showing invested money versus tax-free interest
- 5-year extension blocks: extend with fresh deposits or without any further deposits
- 80C tax-saved estimate for your slab (old regime, up to ₹1,50,000 a year)
- Annualised growth on the invested amount, shown alongside the maturity value
- Year-by-year table with opening balance, deposit, interest and closing balance
- Yearly deposit cap of ₹1,50,000 enforced, with a clear note when capping applies
- Standard PPF maths: deposit at the start of the year, annual compounding
- Free, no sign-up, works on mobile and desktop
How to Use PPF Calculator
- Enter your values in the fields shown on the page.
- Tap Calculate, or just change a value, since most calculators update automatically.
- Read the result cards and the donut chart.
- Adjust the values to compare different scenarios.
How to Read the Result
Start with the headline numbers, then look at the breakup: your own contribution versus the growth or interest on top of it. The chart makes the split obvious, and changing one input at a time shows you exactly which factor moves the result most.
Frequently Asked Questions
Is this calculator free?
Yes. It is completely free, with no sign-up and no hidden charges.
Are the results exact?
The results use standard formulas and the values you enter. Actual bank or scheme results can differ slightly because of rounding and official rules.
Do I need to sign up?
No. Everything works directly in your browser, with no account needed.
How does PPF grow over 15 years?
A PPF Calculator projects a 15-year account where yearly deposits compound at the notified rate, currently 7.1 percent on this page. Because the account runs for a decade and a half, even a modest yearly deposit builds a large maturity value, and the year-wise table shows the balance climbing each year. The PPF Calculator donut chart splits the final amount into invested and interest. With the default example, the PPF Calculator shows 22,50,000 rupees invested, 18,18,209 rupees of interest, and a maturity value of 40,68,209 rupees, with the interest marked tax-free under current rules.
PPF suits long-term goals precisely because withdrawals are restricted early on, which protects the goal from impulse spending. The PPF Calculator helps test deposit levels: try 50,000 rupees a year versus 1,50,000 rupees a year and compare the maturity gap before committing. Background on the scheme, including its tax treatment, is covered on the Public Provident Fund in India page on Wikipedia.
Can I extend PPF after 15 years?
Yes, a PPF account can be extended in blocks of five years, with or without fresh deposits, subject to the rules in force at the time. The PPF Calculator projection here covers the initial 15-year term; treat any extension as a separate calculation.
