PPF Calculator
What will my PPF be worth?
Maturity value
₹40.68L
Forty lakh sixty eight thousand two hundred nine
Interest earned
₹18.18L
Eighteen lakh eighteen thousand two hundred nine
entirely tax-free
You invest
₹22.50L
Twenty two lakh fifty thousand
Tenure
15 years
Your PPF
₹
One lakh fifty thousand
₹500₹1.50L
Seven point one
1%15%
Fifteen
15 yrs50 yrs
The ₹1.5 lakh annual ceiling is a statutory limit. The rate is set by government and revised quarterly — the default here is a recent figure, not a guaranteed one, so override it if you are modelling a different assumption.
Growth
What this calculation assumes
- •The full yearly deposit is made at the start of the financial year, so it earns a full year of interest. Depositing before 5 April achieves this in practice.
- •The interest rate stays constant for the whole tenure. In reality the government revises it quarterly.
- •The ₹1.5 lakh annual ceiling is a statutory limit per person.
- •Interest is compounded annually and is tax-free under current rules.
- •Partial withdrawals and loans against the balance are not modelled.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Project a Public Provident Fund account to maturity and beyond, including the tax-free interest it earns.