About the PPF Calculator
The Public Provident Fund is an Indian government-backed savings scheme with a 15-year lock-in. This calculator estimates what your PPF could be worth. Choose whether you deposit once a year or every month, enter the amount and the interest rate, and pick the number of years from 15 to 50. It shows the maturity value, the total invested and the interest earned, with a table of opening balance, deposits, interest and closing balance for each year. PPF rules, limits and the interest rate change, so check the current rules with your bank or post office. The calculator assumes a constant rate and deposits made by the 5th, and it ignores partial withdrawals, loans and closing early. This site is not affiliated with any bank or government body, and the results are estimates.
Updated September 2026
How to use the PPF Calculator
- 1Choose Once a year or Every month.
- 2Enter the deposit. The yearly limit is 1,50,000.
- 3Enter the interest rate, and check the current rate first.
- 4Enter the years, from 15 to 50, or tap 15, 20, 25 or 30.
- 5Read the maturity value and the year-by-year table.
How PPF interest works
PPF interest is compound interest with a yearly credit. During a year, interest for each month is worked out on the balance at that time, and the total is added to the account when the financial year ends. From then on the credited interest earns interest itself. Because the rate is set by the government and reviewed regularly, this calculator lets you edit it and assumes it stays the same for every year.
Depositing yearly or monthly
A single deposit early in the year earns interest for all twelve months, so depositing the full yearly amount at the start gives the highest return. Monthly deposits reach the same total by the end of the year, but each part has less time to earn, so the maturity value is a little lower. Choose the pattern that fits your cash flow, and compare both here.
The yearly limit of 1,50,000 applies to the total of all deposits in a financial year, so 12,500 a month is the largest regular monthly amount.
The 5th of the month rule
Interest is calculated on the lowest balance between the 5th and the end of the month. A deposit made on or before the 5th counts for that month, and one made later only counts from the next month. The calculator assumes every deposit is made in time.
Extending after 15 years
To compare PPF with market-linked investing, try the SIP Calculator, and for any other rate use the Compound Interest Calculator. The Salary Calculator helps plan how much you can set aside, and the Percentage Calculator handles quick comparisons. Results are estimates only.
- The account matures after 15 financial years
- It can be extended in blocks of 5 years
- You can extend with or without fresh deposits
- Try 20, 25 or 30 years here to see the growth
Features
- Yearly or monthly deposits
- Maturity value, total invested and interest earned
- Year-by-year table: opening, deposited, interest, closing
- 15 to 50 years, covering 5-year extensions
- Editable interest rate
- Rupee amounts in Indian grouping
- Rules summary under the result
- Runs in your browser
Frequently asked questions
How is PPF interest calculated?
Interest is worked out each month on the lowest balance in the account, and the total is added at the end of the financial year, which then earns interest in later years. This calculator follows that idea using your deposit pattern and a constant rate.
What is the maximum I can deposit in PPF in a year?
The limit is 1,50,000 in a financial year, and the minimum is 500. The calculator accepts up to 12,500 a month, which adds up to the yearly limit, and shows a message above that.
Why deposit before the 5th of the month?
Interest for a month is paid on the balance held from the 5th to the month end. A deposit made after the 5th earns nothing for that month, so paying in by the 5th gives the full month. For yearly deposits, paying by 5 April earns the whole year.
How much will I get after 15 years on 1.5 lakh a year?
At 7.1 percent with a deposit at the start of every year, about 40.68 lakh on 22.5 lakh invested. The rate changes, so enter the current one. Monthly deposits of 12,500 come out slightly lower, at about 39.45 lakh.
Can I extend PPF after 15 years?
Yes, an account can be extended in blocks of 5 years, with or without new deposits. Choose 20, 25 or 30 years to see how the balance grows. The calculator assumes you keep depositing every year.
Is PPF interest taxable?
How PPF is taxed depends on the rules in force and on your circumstances, and those rules change. Check with a tax adviser. The calculator shows amounts before any tax.
Is this an official PPF calculator?
No. It is an independent estimator and is not affiliated with any bank, post office or government body. Use your bank's statement for the exact figure.