PPF Calculator — India
Estimate maturity for a Public Provident Fund based on annual deposits, the current interest rate and a 15-year horizon.
Enter your assumptions
Enter assumptions that fit your investment scenario.
Sample inputs to see how the calculator works
Enter your assumptions
Complete the fields above to see your result. You can change any value at any time.
Calculation methodology
The projection assumes one annual deposit is made before 5 April each contribution year, so that deposit is included in the year's interest calculation. It compounds the entered rate for the selected contribution period, up to 15 years; the calculator does not model loans, partial withdrawals or post-maturity extensions.
Important assumptions
- Results are estimates based on the values you enter.
- Rates and returns are assumed for the projection period and may change in real life.
- Taxes, fees, market conditions and provider-specific rules may affect actual outcomes.
India scheme source
The default rate reflects the current Q3 FY 2026-27 small-savings rate, but the rate is editable. The projection assumes an annual deposit before 5 April and does not model loans, partial withdrawals or extensions.
Sources checked October 2, 2026. Rates and scheme terms are not live-updated.
PPF Calculator Guide
What Is a PPF Calculator?
A Public Provident Fund (PPF) calculator estimates how annual contributions and an assumed interest rate may build a balance over a chosen contribution period. It shows a projected maturity balance based on the amount, rate and duration you enter.
PPF is an India-specific government-backed savings scheme with defined account rules. This calculator is a planning estimate, not a live quote or confirmation that an account is eligible for a particular option.
How to Use the PPF Calculator
Enter the annual contribution you want to model, the annual interest-rate assumption and the contribution period supported by the calculator. Review the projected balance and compare scenarios by changing one input at a time.
The timing of a PPF deposit can affect the interest credited. This model assumes each annual deposit is made before 5 April for that contribution year, so it receives that year's interest in the projection.
How Is PPF Interest Estimated?
The calculator compounds the entered annual rate against the projected balance as each contribution year advances. Your result depends on the annual deposit amount, the assumed rate, contribution timing and selected period.
The rate is an input, not a live feed. PPF rates and scheme rules may change, and actual account calculations follow the applicable official rules and account records. Check the current official rate before relying on an estimate.
PPF Maturity and the 15-Year Horizon
The calculator can project contributions for up to 15 years. The displayed estimate should be read within that modelled contribution period and should not be treated as a complete explanation of every account maturity, extension or withdrawal option.
PPF has specific rules for account opening, deposits, maturity, loans, partial withdrawals and extensions. Confirm the rules and dates that apply to your account through current official guidance.
PPF Example: Compare Annual Contributions
For an illustration, enter an annual contribution and a rate assumption, then compare a shorter contribution period with a 15-year projection. The total amount contributed is the annual deposit multiplied by the number of contribution years; the difference between the projected balance and contributions is the estimated growth under the model.
This is a scenario comparison, not a promised maturity amount. Try lower and higher rate assumptions and confirm the current scheme rate and account rules before making a savings decision.
What This PPF Estimate Does Not Include
The projection does not model loans, partial withdrawals, missed or late deposits, account-specific adjustments or post-maturity extensions. It also does not verify account eligibility or determine tax treatment for your personal circumstances.
Use the result as a planning aid. Check current official scheme rules, deposit limits, deadlines, rates and tax guidance before acting.
This is an estimate, not an official maturity quote. Verify current rates, deposit deadlines and scheme rules with official guidance.
How does a PPF calculator estimate maturity?
It projects annual contributions and compounds the interest-rate assumption you enter over the selected period. The result depends on contribution amount, timing, rate and duration.
How much should I contribute to PPF each year?
That depends on your savings budget and the current scheme rules. Enter an annual amount you can sustain and check official contribution limits and deadlines before depositing.
Can I use this calculator for a 15-year PPF estimate?
Yes. The calculator models a contribution period up to 15 years. It does not fully model account-specific maturity, extension, withdrawal or loan options.
Is the PPF maturity amount guaranteed to match this result?
No. This is an estimate using the inputs and contribution-timing assumption shown. Rates, account transactions and official scheme rules determine the actual credited balance.
Can I extend a PPF account after maturity?
PPF extension options have specific conditions and depend on the applicable rules and account status. This calculator does not model extensions, so verify the current official process.
What PPF interest rate should I enter?
Enter the official rate applicable to your account and period. Rates can change, and this calculator does not automatically update them; verify the current rate using official guidance.
Why does deposit timing matter for PPF interest?
The model assumes each annual contribution is made before 5 April so it is included in that year's interest calculation. Actual credited interest follows the applicable scheme rules and account transactions.
Does the PPF calculator include loans or partial withdrawals?
No. The projection does not subtract loans or partial withdrawals, or model their eligibility and conditions. Check the current official rules for your account.
Does this calculator confirm PPF tax benefits?
No. It estimates balance growth and does not determine your personal tax treatment. Check current official tax guidance or consult a qualified tax professional.
Is PPF suitable for every saver?
Not necessarily. Suitability depends on your goals, access-to-money needs, time horizon and applicable rules. Use this estimate for planning, not as a personalised recommendation.
Educational estimate only. Not investment, tax or legal advice. Please verify current rates, slabs, taxes, fees and rules before making a financial decision.