Long-term savings
See what steady yearly deposits could grow to.
PPF Calculator
Enter a yearly deposit and a rate to see how your PPF could grow.
Your files stay with you. Your files never leave your browser. This tool runs on your device: nothing is uploaded to our servers, so there is nothing for us to store or see.
How to use it
- Enter the yearly deposit, up to Rs 1,50,000.
- Enter the interest rate and choose 15, 20, 25 or 30 years.
- Pick yearly or monthly deposits and read the maturity value.
Where it helps
Children's future
Plan a 15-year goal such as education.
Tax planning
Use alongside the income tax calculator for 80C.
Good to know
Stays in your browser
Figures you enter are worked out on your device and never sent to our servers.
An estimate
Rules change; confirm with your CA before deciding.
Deposit early
Interest uses the lowest balance between the 5th and month end.
Questions people ask
How much will a PPF account be worth after 15 years?
Enter your yearly deposit, up to ₹1,50,000, the interest rate and a term of 15, 20, 25 or 30 years, choose yearly or monthly deposits, and read the maturity value. The government sets the PPF rate every quarter; 7.1% has applied for several years, but check the latest rate and type it in.
- ₹500-1.5 lakh Yearly deposit. Per financial year.
- 15 years Maturity. Extend in 5-year blocks.
- 7.1% Recent rate. Set quarterly.
- By 5 April Deposit timing. Earns the most interest.
What is the PPF deposit limit and lock-in?
You can deposit between ₹500 and ₹1,50,000 in a financial year. The account matures after 15 years and can be extended in blocks of five years, with or without further deposits. Partial withdrawals and loans are allowed after certain years, subject to the scheme's rules.
Which interest rate should I enter?
The government sets the PPF rate every quarter. 7.1% has applied for several years, but check the latest rate on India Post's or your bank's website and type it in. Because the rate can change during the 15 years, treat the result as an estimate rather than a promise.
Why does the deposit date matter?
Interest is worked out on the lowest balance between the 5th and the end of each month. Depositing the full year's amount by 5 April earns more than spreading it over the year. Monthly depositors should pay before the 5th of each month for the same reason.
Is PPF tax-free?
At the time of writing, deposits qualify for the old-regime 80C deduction, and both the interest and the maturity amount are exempt from tax. Rules can change, so check before you rely on it, and remember 80C doesn't apply under the new tax regime. Confirm yearly.
How do I use the PPF calculator?
Enter your yearly deposit, the current interest rate and how long you'll keep the account, from 15 to 30 years, then choose yearly or monthly deposits. The calculator shows the maturity value, your total deposits and the interest earned, so you can compare scenarios. Try a few.
Is anything I enter stored?
No. The calculation happens in your browser, so your figures aren't sent anywhere or stored. Try different deposits and terms privately, for example to see the effect of extending the account for another five years. Nothing is stored after you close the page, and there's no account, email address or sign-up needed to use it.
Can I extend my PPF account after 15 years?
Yes, in blocks of five years, either continuing deposits or simply letting the balance earn interest. You need to apply within a year of maturity to extend with deposits. Choose 20, 25 or 30 years in the calculator to see the effect. Plan ahead. Mark the date.
How does PPF compare with an FD?
PPF has a long lock-in but tax-free interest under current rules, while fixed deposit interest is taxable and FDs are more flexible. The FD calculator shows the other side. Your choice depends on your timeline, tax situation and need for access to the money. Compare both.
Can I open a PPF account for my child?
Yes, a parent or guardian can open a PPF account in a minor's name. The combined deposits in your own and your minor child's accounts count towards the same ₹1,50,000 yearly limit. Check the current rules with your bank or post office. Plan deposits together.
What happens if I miss a year's deposit?
The account becomes inactive if the minimum ₹500 isn't deposited in a financial year. You can revive it by paying the missed minimum deposits and a small penalty. Setting a reminder each April avoids this and keeps the interest growing. Revival is simple. Set an annual reminder.
Where can I open a PPF account?
At post offices and authorised banks, including many that offer online opening for existing customers. The interest rate and rules are the same wherever you open it, so choose the place that's most convenient for deposits. Online banking makes yearly deposits easy. Rates are identical everywhere.
Is the maturity value guaranteed?
PPF is backed by the government, but the rate can change every quarter, so the exact maturity value isn't fixed at the start. The calculator assumes a constant rate. Recheck the estimate each year with the current rate. Recheck it whenever the rate changes. Plan conservatively.
Should I invest in PPF or mutual funds?
They suit different needs: PPF offers government-backed, steady growth with a long lock-in, while equity mutual funds can grow more but go up and down. This calculator doesn't give investment advice; a qualified adviser can help with your situation. Many people hold both. Goals should guide the choice.
Does it work on a phone?
Yes. Enter the deposit, rate and term on your phone and see the maturity value immediately. It's handy at the start of the financial year when deciding how much to deposit. No app is needed, and nothing you enter is uploaded. Results appear as you type.
Is it free?
Yes. The PPF calculator is free, with no sign-up and no limit. It's an estimate for planning, not financial advice; check current rates and rules with your bank, post office or CA before deciding. Nothing you enter is stored, and there's no limit on scenarios.
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