Calculate your PPF (Public Provident Fund) maturity amount with ease. Enter your yearly investment, rate of interest, and investment duration to see your total invested amount, interest earned, and maturity value — along with a year-by-year breakdown of your PPF account growth.
Maturity Value
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Total Amount Invested
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Total Interest Earned
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Effective Annual Return
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A PPF Calculator is a free online tool that helps you estimate the maturity value of your Public Provident Fund investment. By entering your yearly contribution, the interest rate, and the investment duration, it instantly computes the total invested amount, interest earned, and final maturity value using the standard PPF compound interest formula.
The current PPF interest rate is 7.1% per annum, as set by the Government of India for Q1 FY2025-26. The rate is reviewed quarterly by the government and may change. Interest is calculated monthly but credited to the account annually on March 31st.
PPF interest is calculated on the minimum balance between the 5th and last day of each month. To maximise interest, it is recommended to deposit your contribution before the 5th of April each year. The formula used is: F = P × [((1 + i)^n – 1) / i], where F is the maturity amount, P is the annual installment, i is the rate of interest / 100, and n is the number of years.
To calculate your 15-year PPF maturity amount, enter your yearly investment amount (up to ₹1,50,000), keep the interest rate at 7.1% p.a., and set the duration to 15 years in the calculator above. The tool will show your total invested principal, accumulated interest, and the final maturity value at the end of 15 years.
You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in a PPF account. Contributions can be made in a lump sum or up to 12 instalments in a year. Deposits exceeding ₹1,50,000 do not earn any interest and are not eligible for tax deduction.
Yes, after the initial 15-year lock-in period, you can extend your PPF account in blocks of 5 years any number of times. You can extend it with or without making further contributions. Extending with contributions allows your corpus to continue compounding at the prevailing interest rate.
Partial withdrawals are allowed from the 7th financial year onwards. You can withdraw up to 50% of the balance at the end of the 4th year preceding the year of withdrawal. Full withdrawal (premature closure) is only permitted after 5 years in specific cases like serious illness or higher education. On maturity (after 15 years), you can withdraw the entire amount tax-free.
PPF follows the EEE (Exempt-Exempt-Exempt) tax structure. Contributions up to ₹1,50,000 per year are eligible for deduction under Section 80C of the Income Tax Act. The interest earned and the maturity amount are both completely tax-free, making PPF one of the most tax-efficient long-term savings instruments available in India.