Free PPF Calculator

Estimate what your yearly PPF contributions could grow to — no signup, nothing sent to a server.

Maturity value

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Total invested

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Interest earned

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How to calculate PPF maturity value

  1. 1

    Enter the yearly investment

    Type the amount you plan to deposit into your PPF account each year (up to the ₹1,50,000 annual limit).

  2. 2

    Enter the interest rate

    Use the current PPF interest rate, or try a different rate to compare scenarios.

  3. 3

    Set the investment period

    Enter the number of years, starting from the 15-year minimum lock-in.

  4. 4

    Read the maturity breakdown

    Maturity value, total invested, and interest earned update instantly as you type.

Example use cases

1

Retirement and long-term saving

See roughly how much a fixed yearly PPF contribution could grow to over 15 years or more.

2

Comparing deposit amounts

Try different yearly deposits to see the effect on the final maturity value.

3

Comparing extensions

Check how extending your PPF account by another 5-year block changes the outcome.

Frequently asked questions

How is PPF maturity value calculated?

Maturity value = P × ({[1 + r]ⁿ − 1} ÷ r) × (1 + r), where P is the yearly deposit, r is the annual interest rate, and n is the number of years — assuming the deposit is made once a year and interest compounds annually.

What is the current PPF interest rate?

The PPF interest rate is set by the government each quarter, historically around 7–8%. The default here uses a recent rate, but you should check the current rate before relying on the result.

What is the minimum PPF tenure?

A PPF account has a lock-in of 15 years, extendable afterwards in blocks of 5 years. The calculator lets you try any period to see how extending it affects the maturity value.

Does this match my actual PPF passbook exactly?

This is a simplified annual-compounding estimate. Actual PPF interest is calculated monthly on the lowest balance between the 5th and last day of each month, so real passbook figures may differ slightly depending on deposit timing.

Is my investment data sent to a server?

No. The calculation runs entirely in your browser — nothing is transmitted or logged.