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PPF Calculator India (Public Provident Fund)

Estimate your PPF maturity amount, total interest, and wealth growth over 15 years. Supports extensions and monthly contribution modeling.

Check Maturity
Annual/Monthly PPF
1,50,000
7.1%
15 Years

Maximum investment is 1.5 Lakh per financial year.
Interest is calculated on the lowest balance between 5th and end of the month.

Total Investment

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Total Interest Accrued

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Maturity Amount

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Maturity Value Projection

Year Opening Balance Investment Interest Earned Closing Balance

Why use a PPF Calculator?

Public Provident Fund (PPF) is one of India's favorite retirement products because of its Triple Tax Exempt (E-E-E) status: the investment, the interest, and the maturity are all tax-free.


Common PPF Rules:
1. Lock-in: 15 years mandatory. Can be extended in blocks of 5 years.
2. Limits: Min 500, Max 1,50,000 per financial year.
3. Interest: Set every quarter by the government. Currently 7.1% p.a.
4. Compounding: Interest is compounded annually.


By using this calculator, you can decide whether to invest 1.5L in one go or through monthly deposits of 12,500.

When should I deposit in PPF to maximize interest?

You should deposit before the 5th of each month. Interest is calculated on the minimum balance between the 5th and the last day of the month.

Can I withdraw money before 15 years?

Partial withdrawals are allowed after the completion of 5 years from the start of the account, subject to certain limits and conditions (e.g., medical emergency, higher education).