PPF Calculator

Estimate the maturity value and interest earnings of your Public Provident Fund (PPF) account with customizable terms, extensions, and deposit patterns.

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4% 15%
Yrs
15 Yrs 40 Yrs (Max Ext)
PPF Maturity Value
₹0
Your tax-exempt sovereign corpus at the end of the duration.
Total Principal Invested
₹0
Sum of all contributions
Total Compounded Interest
₹0
Tax-free sovereign interest earned

Alternative Yield Comparison

Compare your PPF projection with standard taxable alternatives like standard Fixed Deposits (FDs) to observe the tax-saving benefit.

Wealth Share Breakdown

Compound Interest Ledger Path

Detailed Growth Schedule

Review your complete year-by-year PPF account ledger mapping out cumulative deposits versus interest compounding.

Saved Scenarios

Store your custom PPF configurations securely in your local browser environment to compare different portfolios.

Scenario Label Contribution Mode Rate & Duration Total Invested Maturity Value Actions
No saved scenarios in this browser. Configure your parameters above and click "Save Scenario".

1. What is Public Provident Fund (PPF)?

The Public Provident Fund (PPF) is an incredibly popular government-backed, tax-free savings avenue introduced in India. Backed by sovereign guarantee, it offers attractive interest rates combined with absolute security of your principal. It belongs to the elite EEE (Exempt-Exempt-Exempt) tax category, meaning your yearly contributions, accumulated compounding interest, and absolute final maturity proceeds are exempt from income tax.

CHECK OUT OUR COMPOUND INTEREST CALCULATOR

2. Compounding & Extension Rules

PPF features a standard lock-in period of 15 years. However, investors have the privilege to extend their account indefinitely in blocks of 5 years. Extensions can be made with fresh contributions, allowing your wealth compound curve to go exponential, or without contributions, where the existing maturity balance keeps compounding at the current declared rate.

3. Monthly vs. Yearly Interest Strategy

Though compounding interest is calculated on a monthly basis, it is officially credited to the user's ledger on the 31st of March annually. Under official PPF guidelines, monthly interest calculations are executed on the lowest balance held in your PPF account between the 5th day and the end of the month. Therefore, to maximize interest yield, yearly depositors should deposit before April 5th, and monthly depositors should invest before the 5th of each month.

Frequently Asked Questions

How is interest calculated in PPF?

Under official regulations, the interest is calculated monthly based on the lowest balance in your PPF account between the 5th day and the last day of each month. However, this interest is only credited to your account at the end of the financial year (March 31st).

What is the maximum amount I can deposit in PPF?

The maximum limit is ₹1,50,000 per financial year. If you deposit more than ₹1,50,000, the excess amount will not earn any interest and is not eligible for tax deduction benefits under Section 80C.

Can I withdraw my PPF money before 15 years?

Partial withdrawals are permitted starting from the 7th financial year, subject to specific limits (up to 50% of the balance at the end of the 4th preceding year or the preceding year, whichever is lower). Premature closure is allowed only under special conditions like terminal illness or higher education after 5 years.