PPF Calculator — Public Provident Fund Maturity
Calculate the maturity value of a Public Provident Fund (PPF) account — enter the yearly deposit, interest rate and investment period to see the final corpus, total interest earned and year-by-year growth.
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let
Deposit timing
Total corpus at end of investment period
- 1
Growth factor
(1 + 7,1% ÷ 100)^15 = 2,797964 - 2
Annuity multiplier
(2,797964 − 1) ÷ 0,071 × (1 + 0,071) = 27,1214Start-of-year deposits earn one extra year of interest each. - 3
Maturity value
50.000 × 27,1214 = 1.356.069,74
Kako deluje ta kalkulator?
PPF matures to the sum of each yearly deposit compounded at the declared annual rate for its remaining years. At 7.1% over 15 years, a ₹50,000 yearly deposit (start of year) grows to roughly ₹13.8 lakh — enter your figures to get the exact corpus and year-by-year growth curve.
Formula
How this is calculated
A PPF account compounds annually: each year's deposit earns interest for the remaining years in the scheme. When you deposit at the start of the year you earn a full year's interest on that deposit, boosting the final corpus compared to depositing at year-end. The calculator sums the compounded value of every yearly deposit to give the total maturity amount.
The interest rate used here is the Indian government's declared PPF rate for Q1 2025–26 (7.1% p.a.), which is reviewed quarterly and may change — update the rate field if a new rate is announced. The scheme has a 15-year lock-in but can be extended in 5-year blocks, and in India annual deposits are capped at ₹1,50,000; the field accepts any currency amount so you can model equivalent long-term savings plans in other countries.
In India, PPF interest and maturity proceeds are fully exempt from income tax under the EEE (Exempt-Exempt-Exempt) status. The calculator does not model partial withdrawals (available after year 7) or loans against the balance (years 3–6), so treat the maturity value as the full-lock scenario.
Pogosta vprašanja
The Indian government declared 7.1% p.a. for Q1 2025–26 (April–June 2025). The rate is reviewed every quarter; the 7.1% figure has been unchanged since April 2020. Always verify the current rate on the Ministry of Finance website and update the field accordingly.
PPF interest is calculated on the minimum balance between the 5th and last day of each month, then credited at year-end. Depositing before the 5th of April (the first month of the Indian financial year) ensures the entire deposit earns interest for that full year, maximising compounding returns.
Yes — the calculator models any annually-compounded fixed-rate savings plan. Enter your deposit amount in any currency, set the rate offered by your institution, and choose the investment period. Ignore the PPF-specific deposit limits and tax rules, which vary by country.
Znano tudi kot
TG we-Calculate Editorial Team. (2026). PPF Calculator — Public Provident Fund Maturity [Online calculator]. TG we-Calculate. https://we-calculate.com/sl/calculator/ppf-calculator
TG we-Calculate Editorial Team. "PPF Calculator — Public Provident Fund Maturity." TG we-Calculate. 2026. https://we-calculate.com/sl/calculator/ppf-calculator.
TG we-Calculate Editorial Team, "PPF Calculator — Public Provident Fund Maturity," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/sl/calculator/ppf-calculator
@misc{wecalculate_ppf_calculator, title = {PPF Calculator — Public Provident Fund Maturity}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/sl/calculator/ppf-calculator}}, year = {2026}, note = {TG we-Calculate} }
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