PPF Calculator
Calculate Public Provident Fund maturity, interest earned, and extension growth. Compare the stable PPF path with a long-term equity SIP assumption.
PPF contribution per financial year
Update if the notified rate changes
15 years, or extensions in 5-year blocks
PPF year-wise balance
| Year | Invested | Wealth gained | Total value |
|---|---|---|---|
| 1 | ₹1.5 Lakh | ₹10,650 | ₹1.6 Lakh |
| 2 | ₹3.0 Lakh | ₹32,706 | ₹3.3 Lakh |
| 3 | ₹4.5 Lakh | ₹66,978 | ₹5.2 Lakh |
| 4 | ₹6.0 Lakh | ₹1.1 Lakh | ₹7.1 Lakh |
| 5 | ₹7.5 Lakh | ₹1.8 Lakh | ₹9.3 Lakh |
| 6 | ₹9.0 Lakh | ₹2.5 Lakh | ₹11.5 Lakh |
| 7 | ₹10.5 Lakh | ₹3.4 Lakh | ₹13.9 Lakh |
| 8 | ₹12.0 Lakh | ₹4.5 Lakh | ₹16.5 Lakh |
| 9 | ₹13.5 Lakh | ₹5.8 Lakh | ₹19.3 Lakh |
| 10 | ₹15.0 Lakh | ₹7.3 Lakh | ₹22.3 Lakh |
| 11 | ₹16.5 Lakh | ₹9.0 Lakh | ₹25.5 Lakh |
| 12 | ₹18.0 Lakh | ₹10.9 Lakh | ₹28.9 Lakh |
| 13 | ₹19.5 Lakh | ₹13.1 Lakh | ₹32.6 Lakh |
| 14 | ₹21.0 Lakh | ₹15.5 Lakh | ₹36.5 Lakh |
| 15 | ₹22.5 Lakh | ₹18.2 Lakh | ₹40.7 Lakh |
PPF maturity value
₹40.7 Lakh
Deposited
₹22.5 Lakh
Interest
₹18.2 Lakh
Same cash flow as equity SIP at 12%
₹63.1 Lakh
Higher growth potential comes with market risk. PPF is still useful for conservative allocation.
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Calculator guide
How to use the PPF Calculator
Use the PPF calculator to estimate Public Provident Fund maturity value over 15 years and optional extension periods. It shows yearly deposits, interest, and balance growth.
PPF calculator logic
Balance = (Opening Balance + Yearly Deposit) x (1 + PPF Rate)
- PPF has a 15-year lock-in period.
- Interest rate is notified by the government and can change.
- Deposits may qualify under Section 80C subject to limits.
- PPF interest and maturity are currently tax-free for eligible accounts.
What is PPF?
PPF is a government-backed long-term savings scheme popular with conservative investors in India. It combines tax benefits, tax-free interest, and a long lock-in.
Because the lock-in is long, it is worth comparing the certainty of PPF with the growth potential and volatility of equity-oriented investments.
PPF vs equity SIP
PPF can be useful for stable debt allocation. Equity SIPs can offer higher long-term growth potential, but returns are not guaranteed and can fluctuate sharply.
Frequently asked questions
What is the current PPF interest rate?+
The calculator defaults to 7.1 percent. PPF rates are notified by the government and can change, so update the rate if needed.
What is the PPF lock-in period?+
PPF has a 15-year lock-in. Extensions are generally available in 5-year blocks under scheme rules.
Is PPF interest taxable?+
PPF interest and maturity proceeds are currently tax-free for eligible accounts, but always verify current rules before investing.