Finance & Investment
PPF Calculator
PPF: PPF Calculator compounds your yearly PPF deposits at the current notified rate over the 15-year term. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
Want to project a PPF balance? PPF Calculator does it from your annual investment, interest rate and number of years and shows the maturity corpus clearly, with everything calculated in your browser.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results. Scheme figures (EPF, PPF, NPS, FD, RD, pension, retirement) use simplified assumptions about contributions, compounding, and rates; real scheme rules and declared rates vary by provider and year.
About this calculator
PPF Calculator compounds your yearly PPF deposits at the current notified rate over the 15-year term. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. Worked below as Investing 150,000/year in PPF at 7.1% for 15 years grows to about 4,068,209.22 (annual compounding). — and the calculator on this page repeats exactly that working for your inputs, instantly, and offline after load.
How to use
- Enter your yearly PPF contribution (the annual deposit is capped at 1,50,000).
- Type the PPF interest rate as a percentage.
- Set the number of years (whole years; PPF requires a minimum 15-year term).
- Tap Calculate to see the maturity value, total invested, and interest.
Why use the PPF Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it when comparing contribution levels
Use it when estimating a maturity corpus
Use it when reviewing scheme returns
Use it for a long-horizon nest egg
Use it when planning a long-term savings scheme
Use it when projecting accumulated balance
Technical notes
PPF Calculator compounds your yearly PPF deposits at the current notified rate over the 15-year term.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
Because it runs locally, results appear instantly with no server round-trip.
Worked example
Investing 150,000/year in PPF at 7.1% for 15 years grows to about 4,068,209.22 (annual compounding).
FAQ
How is PPF maturity calculated?
Each annual deposit compounds yearly at the declared rate across the full term, and the yearly balances are summed into the maturity value.
Does the PPF Calculator send my data to a server?
No. The PPF Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
Does PPF have a contribution limit and lock-in?
Yes. PPF requires a minimum 15-year lock-in and caps annual deposits at 1,50,000; this tool rejects a term under 15 years or a deposit above the cap.
Is the PPF interest rate fixed for the whole term?
No. The rate is reviewed periodically, so the actual maturity can differ from a projection that assumes a single constant rate.