PPF Calculator - Public Provident Fund Growth Planner
Project your PPF wealth accumulation, interest earned, and maturity values.
Investment Details
Maturity Summary (15 Years)
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Year-by-Year PPF Ledger
| Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹0 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| Year 2 | ₹1,60,650 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| Year 3 | ₹3,32,706 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| Year 4 | ₹5,16,978 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| Year 5 | ₹7,14,334 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| Year 6 | ₹9,25,701 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| Year 7 | ₹11,52,076 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| Year 8 | ₹13,94,524 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| Year 9 | ₹16,54,185 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| Year 10 | ₹19,32,282 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| Year 11 | ₹22,30,124 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| Year 12 | ₹25,49,113 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| Year 13 | ₹28,90,750 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| Year 14 | ₹32,56,643 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| Year 15 | ₹36,48,515 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
Calculation Methodology & Rules
The PPF Calculator projects the maturity value of your Public Provident Fund deposits compounded annually at the government-notified rate.
PPF Compounding Logic
PPF interest is compounded annually and credited to the account at the end of each financial year. The interest is calculated monthly on the lowest balance in the account between the close of the 5th day and the end of the month. Our calculator models the standard **annual contribution at the start of each year** for compounding:
BalanceYear = (BalanceYear-1+ Deposit) × (1 + Rate / 100)
EE-A-T Tax Guidelines
PPF is an excellent debt investment for risk-averse individuals due to sovereign backing and EEE tax-exempt status. To see how it fits into your overall tax-saving plan, compare PPF against market-linked equity alternatives like ELSS using our ELSS Calculator or map your total tax exemptions with the Section 80C Deduction Optimizer.
Frequently Asked Questions
The current PPF interest rate is 7.1% per annum (for the quarter ending June 30, 2026), compounded annually. Interest rates on small savings schemes are reviewed and announced by the Government of India every quarter.
PPF carries the highly coveted Exempt-Exempt-Exempt (EEE) tax status: 1. Exempt: Annual deposits up to ₹1.5 Lakhs are tax-deductible under Section 80C. 2. Exempt: The interest earned every year is completely tax-exempt. 3. Exempt: The final maturity amount withdrawn at the end of 15 years is 100% tax-free.
A PPF account requires a minimum investment of ₹500 per financial year and allows a maximum deposit of ₹1,50,000 per financial year. Deposits can be made in a lumpsum or in multiple installments. Any amount deposited above ₹1.5 Lakhs will not earn any interest and is not eligible for tax benefits.
Yes, you can extend your PPF account after the initial 15-year maturity in blocks of 5 years. There is no limit on the number of times you can extend. You can choose to extend either with fresh contributions or without making any new deposits (retaining interest earnings).