Public Provident Fund (PPF) Calculator
Inputs
₹
₹ 500 (minimum)
₹ 50,000
₹ 1,00,000
₹ 1,50,000 (maximum)
%
6.0%
7.1% (example)
8.0%
9.0%
15 years (initial period)
20 years (+5)
25 years (+10)
30 years (+15)
35 years (+20)
Assumed deposit timing:
By the 5th of each month, or by April 5 for annual deposits
Full eligible month
Tax treatment: Eligible contributions may qualify under Section 80C, subject to the shared limit and tax regime. PPF interest and withdrawals are generally tax-exempt under applicable rules.
Estimated balance
₹ 40,68,209
15 years
Total
₹ 40.68 L
Total contributions
₹ 22,50,000
(55.3%)
Estimated interest earned
₹ 18,18,209
(44.7%)
Estimated balance
₹ 40,68,209
Annual deposit limit:
₹500 to ₹1,50,000
Illustrative 80C saving (30% + cess):
₹46,800 per year (illustrative)
Interest and withdrawal tax:
Generally exempt, subject to rules
Annual PPF growth and interest
Contributions, accumulated interest and total balance over time
Contributions
Interest earned
Total balance
PPF yearly statement
Select a year to see monthly balances and estimated interest.
| Year | Opening balance | Contribution | Annual interest | Closing balance | Cumulative contributions |
|---|
Key assumptions
- The selected rate is held constant for the entire estimate. Government-notified PPF rates can change.
- Deposits are assumed to be made by the 5th; interest is estimated monthly on the eligible balance and credited annually.
- The 80C illustration assumes the old tax regime, available deduction limit and a 30% marginal rate plus 4% cess; actual tax savings depend on eligibility and other deductions. Extensions beyond 15 years require compliance with applicable rules.
- The projection starts with a full financial year of deposits and excludes withdrawals. Actual maturity depends on the financial year in which the account was opened. Monthly interest shown in the schedule accrues but is credited only at year-end.