Savings
PPF Calculator
Project your Public Provident Fund maturity at the current 7.1% rate.
Deposit plan
Max ₹1.5 L per FY
Notified quarterly by MoF
Lock-in 15 yrs, extendable in 5-yr blocks
Maturity value
₹40,68,209
after 15 years, EEE tax status
- Total invested
- ₹22,50,000
- Interest earned
- ₹18,18,209
Compounded annually. Deposit before 5th of month for full-month interest.
Invested vs interest
- Invested
- Interest
Total: ₹40.68 L
Year-by-year growth
Formula
How the math works
Balance year k = (Balance k−1 + Deposit) × (1 + r)
- Deposit
- Yearly contribution (max ₹1.5 L)
- r
- Annual rate (currently 7.1%)
- Years
- 15 base + optional 5-year extensions
Method
How it works
- 1
Enter your yearly PPF deposit (min ₹500, max ₹1.5 L).
- 2
Choose the current rate — 7.1% for Q3 FY 2024-25.
- 3
Set total years — default 15 (lock-in) or extend by blocks of 5.
- 4
CalcPe compounds annually and shows the maturity value.
Worked example
A quick walkthrough
Inputs
₹1,50,000/year for 15 years at 7.1%.
Steps
- Deposit at start of each year
- Compound annually
- Total invested = ₹22.5 L
Result
Maturity ≈ ₹40.68 L · interest earned ≈ ₹18.18 L (fully tax-free).
Why use it
Why CalcPe’s PPF Calculator
- EEE — deposit, interest and maturity all tax-free.
- Sovereign-guaranteed by Government of India.
- Qualifies for 80C deduction up to ₹1.5 L in the old regime.
- Loan and partial withdrawal facilities from year 3 & 7 onward.
FAQ
Frequently asked questions
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