Toolzed

PPF Calculator

Estimate Public Provident Fund maturity over 15 years with yearly deposits and annual compounding. Editable rate, year-by-year growth table. Free and private.

Runs 100% on your device - nothing you enter or upload leaves your browser.

How to use the PPF calculator

Enter your yearly deposit, the interest rate and the duration. Maturity value, total invested and interest earned update instantly, with a year-by-year growth table.

Method and sources

PPF interest compounds annually (credited 31 March); the official method uses the lowest balance between the 5th and month-end each month, so for a yearly deposit made before 5 April this estimate matches closely, and later deposits slightly overstate. Rates are notified quarterly by the Department of Economic Affairs, Ministry of Finance (dea.gov.in small savings notifications); the 7.1% default reflects the rate in effect as of October 2026 - verify the current notification before planning. PPF matures in 15 years and can be extended in 5-year blocks; this tool estimates growth only, it is not financial advice.

Privacy

Amounts never leave this page. All calculations happen on your device.

Frequently asked questions

How is PPF interest calculated?
PPF compounds annually. This calculator adds your deposit each year (earning the full year's interest if deposited early, none that year if deposited at the end) and applies the yearly rate to the balance - a close estimate of the official monthly-balance method for yearly depositors.
What is the current PPF rate?
Rates are set quarterly by the Department of Economic Affairs. The default here matches the small-savings rate published for October 2026 (7.1%); the rate is editable, so check the current notification before planning (see Method and sources below).
What are the deposit limits?
₹500 minimum and ₹1.5 lakh maximum per financial year earn interest. This calculator caps the yearly deposit at ₹1.5 lakh.
Is any data stored?
No. Everything is calculated in your browser; nothing is saved or sent anywhere.

Related tools

SIP Calculator

Estimate the future value of a monthly SIP with yearly breakdown and growth chart.

EMI Calculator

Calculate loan EMI, total interest and a full month-by-month amortization schedule.

GST Calculator

Add or remove GST with slab presets (5%, 18%, 40%) and reverse calculation.

FD & RD Calculator

Estimate FD maturity and RD growth with the quarterly compounding convention Indian banks publish; treat results as close estimates.