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PPF Calculator

Project your Public Provident Fund maturity with a full year-by-year schedule.

Best for: Use it to plan PPF contributions, project your maturity corpus, or compare PPF with other 80C options.

Complete guide
See benchmark ranges Why this result happened View assumptions
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Result

Estimate

Maturity value

₹40,68,209

+8080.9% total gain
Total invested
₹22,50,000
Total interest earned
₹18,18,209 over 15 years
Invested 55.3%Gains 44.7%

What your numbers show

  • You invested ₹22,50,000, and it grew to ₹40,68,209 — a 8080.9% total gain.
  • 44.7% of your final corpus is investment growth rather than your own contributions — that is compounding doing the work.
Standard formula Private — runs in your browser, no account

What to do next

Next: SSI Payment Calculator
Most users next calculate
EPF CalculatorNPS Calculator
More about this result
Result quality
Type
Government / Standard
Method
Official / government standard
Confidence
High

Uses an official government, statutory or medical standard (e.g. tax rules, WHO ranges).

What this means

The maturity amount is fully tax-free, and yearly deposits up to the limit qualify for 80C deductions. The schedule shows how interest accelerates in later years.

What impacts this result most?
  1. 1.
    Annual depositHigh impact

    More deposited each year compounds into a larger maturity.

  2. 2.
    Interest rateHigh impact

    The government rate drives tax-free growth.

  3. 3.
    TenureMedium impact

    Longer terms let interest compound further.

3 Important insights
  • Inflation often matters more than expected over the long run.
  • Small rate changes can significantly affect total outcomes.
  • Long-term consistency usually beats short-term timing.

PPF returns are fully tax-free (EEE) - a guaranteed rate that's hard to beat on a risk-adjusted basis. — India Ministry of Finance (small savings)

People usually ask next
Is this above average?
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How it's calculated & sources

Method: annual compounding per the Public Provident Fund Scheme, 2019.

Default rate 7.1% p.a. is the Government of India small-savings rate. Rates verified June 2026 — confirm the current quarterly notification before relying on the result.

Key assumptions
  • Current PPF rate assumed constant
  • 15-year lock-in
  • Rate is set quarterly by the government

Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.

How it works

PPF compounds annually. Each year: interest = (balance + deposit) × rate, then balance = balance + deposit + interest. Standard tenure is 15 years, extendable in 5-year blocks.

Frequently asked questions

Is PPF tax-free?+

Yes. PPF is EEE — your deposits qualify under Section 80C, and both the interest and the maturity amount are tax-free.

What is the maximum yearly deposit?+

₹1.5 lakh per financial year.

Continue your journey

Where people usually head next.

🧾
SSI Payment Calculator
Estimate your 2026 monthly Supplemental Security Income (SSI) from your income and living situation.
💼
EPF Calculator
Estimate your Employees' Provident Fund corpus at retirement.
🧓
NPS Calculator
Project your National Pension System corpus, lump sum and monthly pension.
🏠
HRA Exemption Calculator
Work out your tax-exempt House Rent Allowance in seconds.

Complete guide

Quick answers

Short, sourced answers to the questions people (and AI assistants) ask most.

What is PPF?
A PPF calculator projects the maturity value of a Public Provident Fund account, including a full year-by-year schedule. PPF is a 15-year, government-backed, tax-free savings scheme popular for safe long-term saving and 80C tax benefits.
Why does PPF matter?
PPF is tax-free and guaranteed, so contributions build safe long-term tax-free wealth.
How is PPF calculated?
Each year your deposit is added and the whole balance earns the PPF interest rate, compounded annually. Because returns are tax-free and guaranteed, the corpus builds steadily over 15 years. Formula: Each year: balance = (balance + deposit) × (1 + r).
What is a good ppf?
PPF ~7.1%, EPF ~8.25%, SSY ~8.2% (India, 2026)
What are common ppf mistakes?
Depositing after the 5th of the month \u2014 that month earns no interest, so deposit before the 5th.
When should you use the PPF Calculator?
Use it to plan PPF contributions, project your maturity corpus, or compare PPF with other 80C options.

What is the PPF Calculator?

A PPF calculator projects the maturity value of a Public Provident Fund account, including a full year-by-year schedule. PPF is a 15-year, government-backed, tax-free savings scheme popular for safe long-term saving and 80C tax benefits.

How the PPF Calculator works

Each year your deposit is added and the whole balance earns the PPF interest rate, compounded annually. Because returns are tax-free and guaranteed, the corpus builds steadily over 15 years.

Each year: balance = (balance + deposit) × (1 + r)
  • deposit — Annual contribution
  • r — PPF interest rate for the year
  • 15 years — Standard PPF tenure
  1. Enter your ppf contribution — the yearly amount you deposit into a Public Provident Fund account.
  2. Enter your interest rate — the percentage a lender charges you to borrow, or a bank pays you to save, usually quoted per year (per annum).
  3. Read the result, then change any input to compare scenarios instantly — the PPF Calculator recalculates as you type.

Understanding the inputs

What each value means, why it matters, and a typical range — so you can fill in the calculator with confidence.

PPF Contribution

The yearly amount you deposit into a Public Provident Fund account.

Why it matters:
PPF is tax-free and guaranteed, so contributions build safe long-term tax-free wealth.
Typical range:
Between the annual minimum and maximum (e.g., 500 to 1,50,000 rupees in India).
How it affects results:
  • Higher: A larger maturity, up to the annual cap.
  • Lower: A smaller tax-free maturity amount.

Common mistake: Depositing above the annual limit, where the excess earns no interest.

Interest Rate

The percentage a lender charges you to borrow, or a bank pays you to save, usually quoted per year (per annum).

Why it matters:
It is the single biggest driver of how much a loan costs or a deposit earns over time.
Typical range:
3% to 12% per year for most loans; about 6% to 8% is common for home loans.
How it affects results:
  • Higher: More interest paid and bigger payments.
  • Lower: Cheaper borrowing and smaller payments.

Common mistake: Entering a monthly rate where an annual rate is expected (or the reverse).

Benchmark reference

What counts as poor, average or excellent for this metric.

Govt Small-Savings Rate

Average~7-8.2%/yr (India)

Source: India Ministry of Finance / EPFO (2026) · Updated June 2026

Typical values

Govt Small-Savings Rate:
PPF ~7.1%, EPF ~8.25%, SSY ~8.2% (India, 2026)

Common interpretation errors

  • Rates are revised periodically
  • Tax treatment differs by scheme

What impacts results most

  1. 1.
    Annual deposit (High impact)More deposited each year compounds into a larger maturity.
  2. 2.
    Interest rate (High impact)The government rate drives tax-free growth.
  3. 3.
    Tenure (Medium impact)Longer terms let interest compound further.

Key assumptions

  • Current PPF rate assumed constant
  • 15-year lock-in
  • Rate is set quarterly by the government

What's a typical value?

PPF pays 7.1% per year (Apr\u2013Jun 2026 quarter, set by the Ministry of Finance \u2014 unchanged for eight straight quarters). Returns are fully tax-free (EEE) and government-backed, making PPF a safe benchmark to compare other low-risk options against.

PPF rules at a glance

Current rate7.1% p.a., compounded yearly
Tenure15 years (extendable in 5-year blocks)
Min / Max per year\u20b9500 / \u20b91,50,000
Tax treatmentEEE \u2014 deposit (80C), interest and maturity all tax-free
LiquidityLoan from year 3\u20136; partial withdrawal from year 7

Worked example

Deposit \u20b91,50,000 every year at 7.1% for 15 years \u2192 you invest \u20b922,50,000 and mature with about \u20b940.7 lakh, of which ~\u20b918.2 lakh is tax-free interest.

Key terms

EEE:
Exempt-Exempt-Exempt: contribution, interest and maturity are all tax-free.
80C:
Section 80C \u2014 deductions up to \u20b91.5 lakh/year from taxable income.

Common mistakes to avoid

  • Depositing after the 5th of the month \u2014 that month earns no interest, so deposit before the 5th.
  • Expecting free access \u2014 PPF has a 15-year lock-in (limited withdrawals only from year 7).
  • Putting in more than \u20b91.5 lakh/year \u2014 the excess earns no interest.

Compared to alternatives

PPF vs NPS

PPF is guaranteed and tax-free; NPS is market-linked with a pension component.

PPFNPS
ReturnsFixed, guaranteedMarket-linked
TaxEEE (fully tax-free)Partly taxable at exit
Liquidity15-year lock-inLocked until 60

Bottom line: PPF for safety; NPS for higher potential returns and an extra tax break.

PPF calculator·NPS calculator

PPF vs EPF

Both are tax-advantaged provident funds; EPF is salary-linked, PPF is voluntary.

PPFEPF
WhoAnyoneSalaried employees
ContributionVoluntary, up to a cap12% of basic + employer match
Rate~7.1%~8.25%

Bottom line: EPF builds automatically from salary; PPF is the flexible top-up for everyone.

PPF calculator·EPF calculator

SIP vs PPF

Market-linked mutual-fund SIP versus guaranteed, tax-free PPF.

SIPPPF
ReturnsMarket-linked (~10-12%)Fixed (~7.1%), guaranteed
RiskVaries year to yearNone (govt-backed)
Lock-inNone15 years

Bottom line: PPF for a safe tax-free base; SIP for higher long-run growth you can stomach.

SIP calculator·PPF calculator

Sukanya Samriddhi vs PPF

Both tax-free and government-backed; SSY is for a girl child at a higher rate.

SukanyaPPF
Rate~8.2%~7.1%
WhoGirl child under 10Anyone
TenureDeposits 15y, matures 21y15 years

Bottom line: For a daughter's goal SSY usually beats PPF on rate; PPF is the flexible all-purpose option.

Sukanya calculator·PPF calculator

Related concepts

How PPF connects to the concepts around it.

EPF:
A salary-linked retirement fund with an employer match.
NPS:
A market-linked retirement scheme with a pension.
Savings Rate:
The share of income you save or invest.

Reviewed sources & methodology

Methodology: Government / Standard · Last reviewed June 2026.

Keywords: ppf, public provident fund, maturity, 80c.

This is an educational estimate, not financial advice. Rates, rules and figures change — verify the latest with the provider or a qualified advisor before you decide.

Sources: Ministry of Finance small-savings rates, Apr\u2013Jun 2026

Reviewed by the Free Tools Galaxy editorial team · Updated June 2026 · Calculated privately in your browser.

Frequently asked questions

Is the PPF Calculator free to use?+

Yes. Every tool on Free Tools Galaxy is 100% free, runs in your browser and requires no signup.

How accurate is the PPF Calculator?+

PPF Calculator uses the standard ppf formula in double-precision arithmetic, so the same inputs always produce the same result and you can verify any figure by hand. It is an educational estimate — real-world outcomes depend on your actual rates, rules and assumptions.

Do you store my inputs?+

No. The PPF Calculator runs entirely in your browser. Nothing is uploaded or saved to a server.

Can I use the PPF Calculator on mobile?+

Yes — the interface is fully responsive and works on phones, tablets and desktops.

What are common mistakes to avoid?+

The most frequent mistake is mixing units. Double-check your inputs use a single, consistent unit before clicking Calculate.

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Project your Public Provident Fund maturity with a full year-by-year schedule.

Try it: https://freetoolsgalaxy.com/tools/ppf-calculator
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The fastest way is to use a free in-browser ppf calculator: https://freetoolsgalaxy.com/tools/ppf-calculator. Project your Public Provident Fund maturity with a full year-by-year schedule.

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