PPF Calculator India 2026: Maturity, Interest, and 15-Year Lock-In

A PPF calculator helps estimate how Public Provident Fund contributions may grow over the 15-year lock-in period. It is useful for checking maturity amount, interest earned, and the effect of investing up to the annual contribution limit.

Use the PPF Calculator to enter yearly contribution, interest rate, tenure, and contribution timing. The calculator shows total invested amount, estimated interest, maturity amount, and the annual Section 80C-eligible contribution estimate.

PPF formula used

PPF interest is estimated monthly and compounded annually.

For yearly contribution mode, this calculator assumes the full yearly contribution is deposited at the start of the financial year.

For monthly contribution mode, this calculator assumes equal monthly deposits are made before the monthly interest cut-off.

Maturity amount = total invested amount + accumulated annual interest

Interest earned = maturity amount - total invested amount

PPF annual contribution limit

The calculator caps contribution at Rs 1,50,000 per financial year for the estimate. This also aligns with the commonly used Section 80C contribution planning limit.

If you enter more than Rs 1,50,000, the calculator uses Rs 1,50,000 for the maturity estimate.

Example

If you invest Rs 1,50,000 every year for 15 years at an assumed 7.1% annual rate:

• Total invested amount = Rs 22,50,000
• Interest depends on contribution timing and annual compounding
• Estimated maturity amount = invested amount + accumulated interest

The actual rate can change because PPF rates are reviewed periodically.

PPF vs FD and RD

Use the FD Calculator if you want to compare PPF with a one-time fixed deposit.

Use the RD Calculator if you want to compare PPF with recurring monthly deposits.

Use the SIP Calculator if you want to compare PPF with market-linked monthly investments.

If your decision is specifically between PPF, NPS, and FD, use the PPF vs NPS vs FD Calculator and read PPF vs NPS vs FD for Tax Saving and Retirement.

Assumptions

• The calculator uses India-style PPF estimates in INR.
• Yearly contribution mode assumes the amount is deposited at the start of the financial year.
• Monthly contribution mode assumes equal monthly deposits before the monthly interest cut-off.
• Interest is estimated monthly and compounded annually.
• Partial withdrawals, loans against PPF, extension after maturity, missed deposits, and future rate changes are not included.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on user inputs and simplified assumptions and may not reflect actual account maturity or tax treatment. This content does not constitute tax, legal, accounting, or financial advice. Consult a qualified financial advisor, accountant, or the relevant financial institution before making financial decisions.