PPF Calculator

Project PPF maturity with annual deposits (start of year) and yearly compounding.

Yearly deposit (₹)

Assumed deposited at the start of each financial year.

Interest rate (% p.a.)

Tenure (years)

Results (estimate)

Maturity amount: ₹0

Total invested: ₹0

Interest earned: ₹0

What is PPF?

Public Provident Fund (PPF) is a long-term government-backed savings scheme in India with tax benefits. Interest is set by the government and credited yearly.

Formula

Deposits at start of each year, compounded yearly at rate r:
Maturity = P × ((1 + r)^n − 1) / r × (1 + r)   [when r > 0]
Invested = P × n
Interest = Maturity − Invested

Example

₹1,50,000 per year for 15 years at 7.1% → maturity is higher than ₹22.5 lakh invested due to compounding.

FAQ

Is the rate fixed for 15 years?

No — PPF rates are revised periodically. Use the current notified rate for planning.

Are monthly deposits supported?

This estimate uses one lump-sum deposit at the start of each year. Monthly deposits would differ slightly.

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