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PPF Calculator

This PPF calculator projects your Public Provident Fund balance year by year over the mandatory 15-year term, using 7.1% p.a. as a dated example rate — the government resets the actual PPF rate every quarter, so check the current notified rate before relying on the projection. It opens on the maximum ₹1,50,000/year contribution; change the amount, rate or years and the year-wise table updates instantly.

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  • Works offline once loaded
  • Free forever, no signup
Tenure

12 months = 1 year. Most bank and post-office RDs run 6 months to 10 years.

Capped at ₹1,50,000 per year by the PPF rules.

Set quarterly by the government — check the current notified rate before relying on this.

How to use this tool

  1. Enter your yearly PPF contribution

    Capped by rule at ₹1,50,000 per financial year across all your PPF accounts.

  2. Check the current PPF rate

    7.1% is used here as a dated example — the government notifies the actual rate every quarter, so confirm it before relying on the result.

  3. Read the year-wise balance table

    Deposit, interest and running balance for every year of the 15-year term (or beyond, if you model an extension) appear below the result.

Questions people ask

How much will ₹1.5 lakh/year in PPF become in 15 years?

About ₹40.68 lakh at a 7.1% assumed rate — on ₹22.5 lakh deposited, roughly ₹18.18 lakh is interest. This is sensitive to the actual rate over 15 years, which the government resets every quarter, so treat it as a planning estimate rather than a promise.

Is PPF interest tax-free?

Yes — PPF is an EEE (Exempt-Exempt-Exempt) instrument: the deposit qualifies for 80C deduction (old regime), the interest earned is tax-free, and the maturity amount is tax-free too.

Can PPF be extended after 15 years?

Yes, in blocks of 5 years, with or without further contributions — set the years field to 20 or 25 in this calculator to see how an extension compounds the balance further.

What is the current PPF interest rate?

It changes every quarter by government notification and has been in a similar band for several years, but this calculator uses 7.1% only as a dated worked example — always check the rate currently notified for the quarter before relying on this projection.

PPF vs FD — which is better?

PPF's rate is usually a little higher than a comparable FD and is fully tax-free, but it locks your money for 15 years with limited withdrawal before that. An FD is liquid at the cost of an early-withdrawal penalty and taxable interest. Many savers use both — PPF for the long-term tax-free portion, FD for money you might need sooner.

Is my deposit information private?

Yes — the calculation runs entirely in your browser, nothing is uploaded, and the page keeps working offline once it has loaded.

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Free because it costs us nothing to run: your browser does the work, not our servers. Made by Dynamb Technologies — we build software for businesses.