Estimate your Public Provident Fund maturity amount and total returns with this user-friendly PPF Calculator, which also provides clear investment projections.

Public Provident Fund (PPF) Calculator is an online tool that helps you project the long-term, tax-free corpus you can build by investing in a PPF account under the Government of India’s small savings scheme. By entering your yearly or monthly contribution, investment duration (minimum 15 years plus optional 5-year extensions) and the current PPF interest rate (7.10% p.a. compounded annually at present), the calculator computes your total investment, wealth gained and final maturity amount.​

Planning for the future is essential, and one of the most secure ways to build your savings is through a Public Provident Fund (PPF). This PPF Calculator is a simple, user friendly and effective tool designed to help you estimate the growth of your investment over time. With just a few inputs like your annual deposit, the number of years you plan to invest, and the prevailing interest rate you will find the estimated earnings on your corpus. PPF Calculator lets you estimate tax-free maturity amount, total investment and interest earned on your PPF account, helping you plan long-term, government-backed savings smartly.

Using the prescribed PPF interest calculation method with annual compounding, the calculator clearly separates the amount you deposit from the interest credited each year, showing how disciplined contributions benefit from long-term compounding. This makes the PPF Calculator ideal for planning retirement, child education or other long-horizon goals, comparing PPF with other tax-saving options, and optimising annual contributions up to the ₹1.5 lakh limit to fully leverage PPF’s EEE (exempt-exempt-exempt) tax advantage.

This tool provides a user-friendly way for individuals to plan their PPF investments and visualize their long-term savings potential! It also give you a clear picture of your savings breakdown—making planning and understanding your finances easier than ever.

Whether you're a beginner or a seasoned saver, this tool is here to show you how your small, consistent contributions can grow into a significant retirement fund or long-term savings goal, all tax-free under Indian PPF rules.

What is PPF Calculator ?

A PPF calculator is an online financial tool that estimates the total maturity amount and interest earned on a Public Provident Fund (PPF) account.

How PPF Calculator Works ?

• Inputs: You enter your investment amount (monthly, quarterly, or yearly), the duration in years (minimum 15 years), and the current interest rate.
• Compounding: It automatically applies compound interest, which is calculated on monthly balances and credited annually.
• Output: It instantly shows your total invested amount, total interest earned, and final maturity corpus.

Which is better, FD or PPF?

Neither a Fixed Deposit (FD) nor a Public Provident Fund (PPF) is universally better; PPF is better for long-term, tax-free wealth creation, while an FD is better for short-term liquidity and regular income.

Key Differences:

• Tenure: FDs offer flexible terms from 7 days to 10 years, whereas PPF has a strict 15-year lock-in period.
• Taxation: PPF offers tax-exempt interest and maturity proceeds (EEE status), while FD interest is fully taxable according to your income tax slab. 
• Liquidity: FDs allow easy premature withdrawals with a small penalty, whereas PPF permits only limited partial withdrawals after 5 financial years.
• Returns & Limits: FDs offer rates set by individual banks, while PPF offers a government-set rate (currently 7.1% p.a.) with a maximum annual deposit cap of ₹1.5 lakh.

When to Choose Which:

• Choose PPF if: You want a secure retirement corpus, prefer tax-free returns, and can leave your money locked away for 15 years. You can explore details on government schemes via various financial plateforms.
• Choose FD if: You need flexible investment horizons, require periodic interest payouts, or want emergency access to cash. You can compare bank rates through official site of the bank or financial plateforms.

How much do I get after 15 years in PPF?

How much you get after 15 years in a Public Provident Fund (PPF) depends entirely on how much money you deposit and how often you deposit it (monthly vs. annually). Assuming the current PPF interest rate of 7.1% remains constant over the 15-year maturity period, here is what your returns would look like across different common investment amounts:

PPF Maturity Returns After 15 Years (at 7.1% Interest)

If you deposit...	Total Principal Invested	Total Interest Earned	Total Maturity Amount
₹5,000 yearly	₹75,000	₹65,580	₹1,40,580
₹10,000 yearly	₹1,50,000	₹1,31,160	₹2,81,160
₹50,000 yearly	₹7,50,000	₹6,55,803	₹14,11,803
₹1,00,000 yearly	₹15,00,000	₹13,11,607	₹28,11,607
₹1,50,000 yearly (Max Limit)	₹22,50,000	₹19,67,411	₹42,17,411

(Note: The above figures are calculated assuming a lump-sum deposit is made before April 5th every year to maximize compound interest. If you make monthly deposits, the final maturity sum will be slightly lower or may slightly vary).

Key Things to Remember while investing in PPF

• Varying Rates: The Government of India reviews and updates the PPF interest rate every quarter. The actual maturity amount may fluctuate slightly if the interest rate changes in future quarters.
• 100% Tax-Free: Under the EEE (Exempt-Exempt-Exempt) status, the amount you invest, the interest you earn, and your final maturity payout are completely tax-free.
• The 5th of the Month Rule: If you deposit monthly, always do it before the 5th of the month. PPF interest is calculated on the lowest balance between the 5th and the end of the month. If you deposit after the 5th, you lose out on interest for that entire month.
• Extension Options: After the 15-year maturity lock-in, you don't have to withdraw. You can extend your account indefinitely in blocks of 5 years with or without making new deposits.

Why PPF is Financially Safe ?

A Public Provident Fund (PPF) is considered 100% safe in terms of credit and default risk because it is fully backed and guaranteed by the Government of India.

• Sovereign Guarantee: The government guarantees both your principal investment and the accumulated interest. 
• No Market Risk: Your money is not invested in the stock market, meaning market crashes will not reduce your capital. 
• Tax Benefits: It offers an Exempt-Exempt-Exempt (EEE) status, where contributions, annual interest, and maturity amounts are completely tax-free.

PPF Calculator 2026: Calculate Public Provident Fund Maturity & Interest

Welcome to the PPF Calculator on FDCalculator.co.in. The Public Provident Fund remains one of India’s most trusted, zero-risk, and tax-efficient long-term savings schemes. Our free calculator helps you instantly estimate your annual compounding growth, total interest earned, and final maturity corpus over the mandatory 15-year lock-in period (or extended blocks of 5 years).

Current PPF Interest Rate & Core Rules

• Current Interest Rate: 7.1% per annum (compounded annually, credited on March 31st every financial year).
• Investment Limits: Minimum of ₹500 up to a maximum of ₹1,50,000 per financial year. Contributions can be made in lump-sum or up to 12 installments.
• Tax Status (EEE): PPF enjoys the coveted Exempt-Exempt-Exempt status—contributions qualify for tax saving (under older tax provisions), interest earned is completely tax-free, and the final maturity amount is 100% tax-exempt.
• The 5th-Day Rule: Interest is calculated on the lowest balance in your account between the 5th day and the last day of each month. Depositing your yearly or monthly contribution on or before the 5th of the month ensures you earn interest for that month.

The PPF Maturity Formula Explained

Under the hood, our calculator evaluates your annual deposits using the standard compound interest future value formula for regular contributions made at the beginning of each period:

$$F = P \times \left[ \frac{(1 + i)^n - 1}{i} \right] \times (1 + i)$$

Where:

• $F$ = Maturity amount at the end of tenure
• $P$ = Annual deposit amount
• $i$ = Annual interest rate (7.1% or $0.071$)
• $n$ = Total number of years (minimum 15 years)

Illustrative PPF Growth Scenarios (At 7.1% p.a.)

Annual Investment	Tenure	Total Invested	Estimated Interest	Total Maturity Value
₹50,000 / year	15 Years	₹7,50,000	~₹6,02,000	~₹13,52,000
₹1,00,000 / year	15 Years	₹15,00,000	~₹12,04,000	~₹27,04,000
₹1,50,000 / year	15 Years	₹22,50,000	~₹18,06,000	~₹40,56,000

Frequently Asked Questions

1. What is the current PPF interest rate?

The current PPF interest rate is 7.1% per annum, reviewed and notified quarterly by the Ministry of Finance.

2. Can I extend my PPF account after 15 years?

Yes. Upon completing the initial 15-year lock-in, you can extend your PPF account in blocks of 5 years—either with fresh contributions or by letting the existing corpus compound passively without further deposits.

3. Can I take a loan against my PPF balance?

Yes. You are eligible to take a loan between the 2nd and 6th financial year from the account opening date, capped at 25% of the balance available at the end of the second preceding year.