PPF Calculator – Estimate Your Maturity Corpus and Interest on a PPF Account

This PPF Calculator estimates the maturity corpus and total interest earned on a Public Provident Fund account. Enter your annual deposit amount, the prevailing PPF interest rate, and the investment tenure to instantly see the maturity value and total interest accumulated. Use it to plan your long-term tax-free savings before opening a new PPF account or extending an existing one.

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PPF Calculator (Public Provident Fund)

Yearly Investment (₹)
₹500 (Min)₹1.5 Lakh (Max)
Interest Rate (% p.a.)
5%12% (Govt. set: 7.1%)
Time Period (Years)
15 Years (Min)50 Years (5-Yr Blocks)
Maturity Corpus₹27,12,139
Maturity Amount (Tax-Free)₹27,12,139Enjoy 100% Tax-Free returns under EEE status
Total Investment₹15,00,000
Total Interest₹12,12,139
Net Tax-Free Gain₹12,12,139
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What is a PPF Calculator?

A PPF Calculator is an online tool that estimates the maturity amount and total interest earned on a Public Provident Fund account. Enter your annual deposit amount, the prevailing interest rate, and the investment tenure to instantly see your corpus at maturity, helping you plan long-term tax-free savings before opening or extending your PPF account.

How to Use PPF Calculator – 3 Step Flow

Streamline your finances with an easy, automated process — calculate, plan, and achieve your financial goals.

1STEP

Enter your annual contribution

Input the amount you plan to deposit each year into your PPF account. The minimum annual deposit is ₹500 and the maximum is ₹1,50,000 per financial year. You can make the deposit as a lump sum or in up to 12 installments during the year. For maximum interest benefit, depositing before the 5th of April each year ensures interest accrues on the full amount for that month.

2STEP

Enter the interest rate and tenure

Input the current PPF interest rate and your investment tenure. PPF has a fixed lock-in period of 15 years, after which it can be extended in 5-year blocks with or without further contributions. The interest rate is set by the Ministry of Finance and is currently 7.1% p.a., subject to quarterly revision.

3STEP

Review your projected corpus

The calculator shows your total investment across the tenure, the total interest earned, and the maturity corpus. Since PPF interest compounds annually, and the entire corpus is tax-free at maturity, the actual post-tax return is higher than the stated interest rate for most investors.

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Frequently Asked Questions

A PPF Calculator estimates the maturity corpus and total interest earned on a Public Provident Fund account. Enter your annual deposit, interest rate, and tenure to instantly see your projected maturity value, helping you plan long-term tax-free savings and compare PPF against other investment options.

The PPF interest rate is set by the Ministry of Finance and is currently 7.1% per annum, revised quarterly. Rates are announced for each quarter and applied uniformly to all PPF accounts. Always confirm the current applicable rate with your bank or post office before using the calculator.

No. PPF enjoys EEE (Exempt-Exempt-Exempt) status, contributions, interest earned, and the maturity amount are all fully exempt from income tax. This makes PPF one of the few instruments where the stated interest rate equals the effective post-tax return, regardless of your income tax slab.

Partial withdrawals are allowed from the 7th year onwards, up to 50% of the balance at the end of the 4th year preceding the year of withdrawal. Full premature closure before 15 years is allowed only in specific circumstances such as serious illness or higher education needs, with a 1% interest penalty applied.

After 15 years, you can close the account and receive the full corpus tax-free, extend it for 5 more years with continued contributions, or extend it without further contributions while interest continues to accrue on the existing balance. The extension option is available in successive 5-year blocks indefinitely.

Yes. A parent or guardian can open a PPF account in the name of a minor child. However, the combined annual contribution across all PPF accounts, the parent's own account and the minor's account, cannot exceed ₹1.5 lakh per financial year. Interest earned in the minor's account is clubbed with the parent's income until the child turns 18.