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.

Understand the result

What the PPF Calculator tells you

This calculator helps you project long-term Public Provident Fund contributions and interest. It turns a small set of inputs into a clear estimated PPF corpus, then shows the supporting breakdown so you can understand what moved the answer.

Inputs to check

  • Annual contribution: use a recent statement, quote or realistic assumption.
  • PPF rate: use a recent statement, quote or realistic assumption.
  • Contribution years: use a recent statement, quote or realistic assumption.

Try three scenarios

Run a likely case, a conservative case and a better case. Change one input at a time so you can see which assumption matters most.

How to use this estimate in a real decision

Write down the values you entered and the date you checked them. Compare options using the same assumptions, then include any fee, tax, penalty or provider rule that sits outside the calculator. A mathematically precise answer can still be incomplete when the inputs are old or optimistic.

Treat the result as a planning range, not a quote, approval or guaranteed outcome. Recalculate whenever your rate, price, income, goal date or business cost changes.

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.