PPF Calculator
Estimate how much your Public Provident Fund account could be worth at maturity, based on a fixed yearly contribution over the standard 15-year term.
How PPF growth is calculated
Each year's contribution is added to the balance and the whole balance is compounded annually at the PPF rate — this calculator assumes the same contribution and rate every year for simplicity, though in practice the rate is revised quarterly and your contribution can vary year to year within the ₹1.5 lakh annual limit.
Important note
This calculator gives an estimate for planning purposes using standard formulas and the rate you enter. Actual returns depend on market performance (for market-linked options), the scheme's official compounding rules, and rates that change over time — this is not a guarantee of returns and not financial advice. Check current official rates before relying on any figure here.
Frequently asked questions
What is the maximum PPF contribution per year?
The current annual limit is ₹1,50,000 per financial year — contributions above this limit typically don't earn interest or qualify for tax benefits. Enter your intended yearly contribution above to see the projected maturity value.
Can I withdraw money from PPF before 15 years?
Partial withdrawals are typically allowed from the 7th year onward under specific conditions and limits, and loans against the balance are available in earlier years — but the account is designed as a 15-year lock-in instrument, so early withdrawal options are limited compared to the full maturity value.
Is PPF interest tax-free?
PPF is typically classified as an EEE (Exempt-Exempt-Exempt) investment in India — contributions, interest earned, and the maturity amount are usually all tax-exempt, subject to conditions and current tax law. Confirm with a tax advisor since rules can change.
Can I extend my PPF account after 15 years?
Yes — PPF accounts can typically be extended in blocks of 5 years after the initial 15-year term, either with continued contributions or without further deposits while the balance keeps earning interest.