PPF Calculator

Estimates how a Public Provident Fund (PPF) account could grow with a fixed annual contribution and an assumed interest rate.

PPF is a long-term, government-backed savings scheme with a fixed tenure. This calculator illustrates how a level annual contribution could accumulate over the years you choose, compounding once a year at whichever rate you enter — it is a planning illustration, not an account statement or a projection endorsed by any government body.

How it works

The annual contribution is assumed to grow once a year at the entered interest rate, compounding for the number of years you choose, with the same amount contributed every year.

What each input means

Annual contribution

The rupee amount assumed to be deposited once a year. Capped here at ₹1,50,000, matching PPF's real Section 80C-linked annual ceiling — this calculator does not itself verify 80C eligibility or enforce this as a legal limit.

Investment period (years)

How many years the contribution is assumed to continue.

Assumed interest rate

A starting illustrative value, not the current government-notified rate — PPF's rate is revised quarterly by the Government of India and can go up or down. Enter today's actual notified rate for a more current illustration.

What the results mean

Total contribution

The sum of every year's contribution (contribution × years), with no growth applied.

Estimated growth

The difference between the estimated maturity value and the total contribution.

Estimated maturity value

What the account is projected to hold at the end of the period, at the rate assumed.

Assumptions

• The same contribution amount is made every year, with no missed or partial years.
• The interest rate stays constant at the entered value for the entire period, compounding once a year.

Limitations

• PPF's actual interest rate is set by the Government of India and revised every quarter — it is not fixed for 15 years the way this calculator's single rate input assumes for illustration.
• This calculator does not model PPF's 15-year lock-in, partial-withdrawal rules from year 7, extension in blocks of 5 years, or loan-against-PPF provisions.
• The ₹1,50,000 contribution limit here is a UI bound only, mirroring the current Section 80C-linked ceiling — it does not check your actual 80C eligibility or other deposits you may have made.
• This is not an account statement, and does not reflect any specific PPF account's actual balance or credited interest.

Common mistakes

• Assuming the entered interest rate will hold for the full period — the real PPF rate changes over time and this calculator does not update automatically.
• Treating the estimated maturity value as a guaranteed or promised amount rather than a mathematical illustration of the assumptions entered.

Example

For example, an annual contribution of ₹1,50,000 for 15 years at an assumed 7.1% illustrates an estimated maturity value in the neighbourhood of ₹40.7 lakh — about ₹18.2 lakh of which is illustrated growth over a total contribution of ₹22.5 lakh.

FAQ