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Public Provident Fund Planning Tool

PPF Calculator

Calculate your estimated PPF maturity amount, total investment and interest earned with a clear year-by-year investment breakdown.

  • Free to use
  • Editable interest rate
  • Detailed yearly schedule

Investment Details

Adjust the values below to estimate your potential PPF returns.

₹1,00,000
₹500 ₹1,50,000
Annual investment must be between ₹500 and ₹1,50,000.
7.10%
p.a.
1% 15%
Please enter an interest rate between 1% and 15%.
15 years
Years
15 years 50 years
Select 15 years or an extension in blocks of 5 years.

Estimated Returns

Results are calculated using annual compounding.

Estimated Maturity Amount ₹27,12,139 Estimated value after 15 years at 7.10% interest
Total Investment ₹15,00,000
Total Interest Earned ₹12,12,139
Wealth Growth 80.81%
Monthly Equivalent ₹8,333
This result is an estimate. Actual PPF returns may differ because the government can revise the applicable interest rate from time to time.
Investment Schedule

Year-Wise PPF Growth Breakdown

View how your annual contributions and accumulated interest may increase the account balance over time.

PPF Investment Schedule

Year Opening Balance Investment Interest Earned Closing Balance
About the Tool

What Is a PPF Calculator?

A PPF Calculator is an online financial planning tool that estimates how much your Public Provident Fund investment may grow during the selected investment period.

It calculates the maturity value using your annual contribution, expected interest rate, investment tenure and chosen deposit timing. It also separates your final amount into total invested money and estimated interest earned.

How PPF Interest Is Calculated

This calculator adds the selected annual contribution and applies annual compound interest to the eligible balance. When deposits are made at the beginning of each year, they receive interest for that year. Deposits selected at year-end begin earning interest from the following year in this estimate.

PPF Calculator Formula

For annual deposits made at the end of each year, the estimated future value is calculated using the ordinary annuity formula:

Maturity Value = P × [((1 + r)n − 1) ÷ r]

Here, P is the yearly contribution, r is the annual interest rate expressed as a decimal, and n is the investment period in years.

Simple Process

How to Use the PPF Calculator

Complete these simple steps to calculate your estimated PPF returns.

1

Enter Your Annual Investment

Enter the amount you intend to deposit into your PPF account during each financial year.

2

Set the Expected Interest Rate

Use the default rate or enter a different rate to compare possible return scenarios.

3

Select the Investment Period

Choose the standard 15-year duration or calculate an extended period in blocks of five years.

4

Review Your Estimated Returns

Check the maturity value, interest earned, growth chart and detailed year-wise breakdown.

Common Questions

PPF Calculator FAQs

Find answers to common questions about PPF calculations and returns.

It estimates your total investment, interest earned and maturity amount using the annual contribution, interest rate and investment period entered in the calculator.

The official minimum contribution is ₹500 in a financial year. The calculator therefore does not accept an annual investment below ₹500.

The maximum permitted contribution is ₹1,50,000 per financial year. Entering a higher amount is prevented by this calculator.

A PPF account normally has a 15-year tenure. It may be extended after maturity in additional blocks of five years, subject to applicable rules.

Yes. The applicable interest rate can be revised by the government. This tool keeps the rate editable so users can calculate returns using the latest applicable rate.

No. The displayed result is an estimate based on the values entered. Actual returns can vary due to interest-rate changes, deposit dates and official calculation rules.

Deposit timing can affect how long a contribution earns interest. This calculator lets you compare beginning-of-year and end-of-year contribution assumptions.

Yes. Use the Download CSV button above the yearly schedule to save the complete investment breakdown to your device.