PPF Calculator
Estimate Public Provident Fund maturity with annual contributions and compounding.
Total deposited per financial year (max ₹1,50,000).
Leave default for current regulatory rate, or override with your expected rate.
PPF has a 15-year initial lock-in; extensions possible in blocks of 5 years.
Simplified annual model: contribution added at the start of each year, then interest compounds annually. Does not model monthly minimum-balance (5th-of-month) rules or partial-year deposits. PPF rate is set quarterly by the government — estimates only.
What is the PPF contribution limit?
You can deposit up to ₹1,50,000 per financial year across one or more PPF accounts (self + minor). Contributions above this are not accepted.
How is PPF interest calculated?
Interest is credited annually on the lowest balance between the 5th and last day of each month. This calculator uses a simplified annual lump-sum model and may differ slightly from actual credits.
Is PPF interest tax-free?
Yes — PPF falls under EEE (exempt-exempt-exempt): contributions (up to ₹1.5L under 80C), interest, and maturity are all tax-free for resident Indians.
What rate should I use?
The government announces PPF rates quarterly. You can leave the default (current regulatory pack rate) or enter a rate you expect for planning.
Can I withdraw before 15 years?
Partial withdrawals are allowed from year 7 under specific rules. Premature closure is permitted in limited cases. This calculator assumes full tenure with no withdrawals.