ToolPilot
PPF calculator
Model Public Provident Fund growth with a yearly lump-sum deposit and annual compounding. Actual PPF credits interest as per government rules; this is a simplified planner.
PPF inputs
₹1,50,000/year
Default 7.1% reflects recent PPF rates; change as needed.
Results
- Total investment
- ₹22,50,000
- Total interest
- ₹18,18,209
- Maturity value
- ₹40,68,209
Investment vs interest at maturity
Year-by-year breakdown
First 5 years and final year (simplified annual model)
| Year | Opening | Deposit | Interest | Closing |
|---|---|---|---|---|
| 1 | ₹0 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,60,650 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹3,32,706 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹5,16,978 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹7,14,334 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 15 | ₹36,48,515 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
How it works
Each year we add your yearly investment to the balance, then apply annual interest on the combined amount (simplified compounding). Government PPF uses a declared rate and specific interest-credit rules; adjust the rate field when notifications change.
FAQ
Why might this PPF calculator differ from my passbook?
Real PPF interest is credited per RBI/Finance Ministry rules and depends on deposit dates within the month. We use one yearly deposit and year-end compounding for clarity.
What is the maximum yearly investment in PPF?
Currently ₹1.5 lakh per financial year across your PPF accounts is the usual ceiling for tax-efficient contributions—this PPF calculator caps yearly input there.
Can I extend PPF beyond 15 years in this calculator?
Yes—set tenure up to 50 years to approximate blocks of extension with continued deposits, subject to actual extension rules at your bank/post office.
Is PPF interest fixed for the whole tenure?
The government revises the PPF rate quarterly. Use this PPF calculator with updated rates to re-run scenarios as notifications change.