Finance · Popular

PPF Calculator

Plan your long-term secure savings. Enter your yearly investment and see exactly how your PPF balance grows over 15 to 50 years with tax-free guaranteed returns.

Yearly Investment ($)

Max $1,50,000 per year

Tenure (Years)

15 years minimum, extendable in blocks of 5

Interest Rate (%)

Current rate is 7.1%

Maturity Amount

—

Total Investment

—

Total Interest

—

Method

How this calculator works

PPF interest is compounded annually, but calculated monthly on the lowest balance between the 5th and end of each month.

Enter your expected yearly investment amount (Max $1.5 Lakh).
Enter the tenure (minimum 15 years).
Enter the current interest rate (default 7.1%).
View your total maturity amount, invested capital, and interest earned.

Examples

Worked examples

Real numbers, end-to-end results.

$1.5 Lakh/year, 15 years, 7.1%

$40.68 Lakh

Maximum investment for the standard lock-in period.

$1 Lakh/year, 20 years, 7.1%

$44.38 Lakh

Extended by one 5-year block.

Disclaimer: This calculator provides estimates for informational and educational purposes only. It is not a substitute for professional financial advice, tax planning, or investment guidance. Always consult a qualified financial advisor for decisions affecting your finances. Results depend on the accuracy of inputs provided.

FAQ

Frequently asked questions

What is a Public Provident Fund (PPF)?

PPF is a government-backed saving scheme in India that offers guaranteed returns and tax benefits. It has a lock-in period of 15 years.

What is the maximum amount I can invest in PPF?

The maximum allowed investment in a PPF account is $1,50,000 per financial year. The minimum is $500.

Can I extend my PPF account after 15 years?

Yes, after maturity at 15 years, you can extend your PPF account in blocks of 5 years indefinitely, either with or without making further contributions.