Investments & Wealth
PPF Calculator
Project your Public Provident Fund balance with monthly contributions and annual compounding
PPF details
₹
Max ₹12,500/month (₹1.5 lakh/year PPF limit)
%
yrs
PPF has a minimum lock-in of 15 years
PPF maturity value
₹0
How the PPF Calculator works
PPF interest is compounded annually. Deposits made through the year are added to the balance, and interest is credited at the end of each financial year on the accumulated balance.
Each year: Balance = (Balance + 12 × monthly deposit) × (1 + rate)
PPF enjoys EEE tax status — contributions, interest and maturity are tax-free under current rules.
Why use it
Detailed features
15-year planning
Model the minimum PPF tenure and extensions beyond.
Tax-free growth
PPF is one of India's best EEE long-term savings instruments.
Annual compounding
Matches how PPF interest is credited each financial year.
On the go
Also in the free Toolance Android app.
Frequently asked questions
Public Provident Fund is a long-term government-backed savings scheme. Resident individuals can open PPF in post office or designated banks. Minimum Rs 500 and maximum Rs 1.5 lakh per financial year.
Government revises PPF rate quarterly. Enter the latest announced rate in the calculator. It applies on the lowest balance between 5th and last day of each month.
Maturity is 15 years from account opening. You can extend in blocks of 5 years after that. Partial withdrawal is allowed from the 7th year subject to rules.
Yes. PPF falls under EEE: contribution eligible for 80C, interest and maturity are tax-free for eligible deposits within limits.
Interest is calculated on monthly minimum balance credited before the 5th. Investing early in the month maximises interest for that period.
A parent can open a minor PPF account. Combined parent and child contributions still face the Rs 1.5 lakh annual cap across accounts.
Rate changes every quarter, so long projections are indicative. Government sets the rate; this tool does not guarantee future returns.
Yes. Use the PPF calculator online at no cost with no registration.