PPF Calculator
🔒 Runs in your browser — 100% private
Calculate PPF maturity value online for free from your yearly contribution, term and the current interest rate. Runs entirely in your browser — nothing you enter is uploaded.
PPF has a 15-year minimum lock-in (extendable in 5-year blocks up to 30), a ₹1.5 lakh/year contribution cap, and a government-set interest rate revised quarterly — enter the current rate rather than an assumed one.
How to use ppf calculator
- Enter your yearly contribution
Up to the current PPF annual limit.
- Enter the term and current interest rate
15 years is the standard minimum lock-in; use the rate from the current quarter's notification.
- Calculate
See your estimated maturity value.
Formula & methodology
Maturity value = Annual contribution × (((1 + r)ⁿ − 1) ÷ r) × (1 + r) — annual contributions at the start of each year, compounded yearly at rate r for n years (standard PPF convention).
Example: ₹1,50,000/year for 15 years at 7.1% gives a maturity value of roughly ₹40.68 lakh — of which ₹22.5 lakh is your own contribution and the rest is interest, entirely tax-free under PPF's EEE status.
Features
Every rate and percentage is an input you can change, not a hidden constant — so the estimate matches your real numbers.
Calculates locally with no sign-up or server request.
Your salary and financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
Is PPF interest guaranteed?
The rate is set by the government and revised quarterly — it's not fixed for the full 15 years, so a long-term estimate at today's rate is illustrative, not guaranteed.
Can I withdraw before 15 years?
Partial withdrawals are allowed from the 7th year under specific rules — this calculator estimates the full-term maturity value assuming no withdrawals.