PPF Calculator
Public Provident Fund maturity estimate with a full year-by-year table. Assumes deposits at the start of each year (earns maximum interest).
Year-by-year growth
| Year | Deposit | Interest | Balance |
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About PPF
PPF is a government-backed savings scheme with EEE tax status: the deposit (up to ₹1.5L, Section 80C), the interest and the maturity amount are all tax-free. Deposits made before the 5th of the month earn interest for that month, and the balance compounds annually — which is why start-of-year deposits earn the most.
FAQ
Can I extend PPF after 15 years?
Yes, in blocks of 5 years. You choose to continue with fresh deposits (keeps earning like before) or without deposits (balance keeps earning interest, withdrawals allowed anytime).
How is PPF interest calculated?
Interest accrues monthly on the lowest balance between the 5th and last day of the month, and is credited annually on 31 March. Depositing before the 5th maximises interest.
Is the rate fixed for 15 years?
No — the government revises PPF rates every quarter, though historically changes are small. This calculator holds your assumed rate constant, so treat far-future years as estimates.