What Is PPF Calculator?
A PPF Calculator is an online tool that helps you calculate the future value of your investments in a Public Provident Fund (PPF) account.
It shows you:
- Total amount invested (principal)
- Interest earned over the years
- Final maturity amount after 15 years (or extended period)
- Year-by-year growth breakdown (optional in some calculators)
PPF works on compound interest, and interest is calculated monthly but credited yearly. The current interest rate (as of 2026) is 7.1% per annum, set by the Government of India and reviewed quarterly.
How to Use This PPF Calculator?
Enter Annual Investment (₹)
Enter the amount you plan to invest every year in your PPF account.
The value should be between ₹500 and ₹1,50,000.
Enter Interest Rate (%)
Add the applicable PPF interest rate. The default rate is
7.1%, as declared by the Government of India.
Select Time Period (Years)
Enter the investment duration in years. The standard PPF lock-in period
is 15 years, but you can calculate for any period if required.
Click on the Calculate Button
After entering all the details, click on Calculate to get
instant results.
View the Results
The calculator will show:
- Total Investment
- Total Interest Earned
- Final Maturity Value
Check the Chart for Better Understanding
Use the interactive chart below the results to visually compare your
total investment and interest earned. Tap or click on the chart to see
detailed values.
PPF Calculator Benefits
- Easy and simple to use
- Provides quick and accurate results
- Saves time on manual calculations
- Helps in better financial planning
- Shows clear breakup of investment and interest
- Useful for long-term and tax-saving planning
Finance Calculators
Frequently Asked Questions
A PPF Calculator is a simple financial tool that helps you estimate how much your Public Provident Fund investment will grow over time. You enter your yearly contribution and the investment duration, and the calculator automatically calculates the total investment, interest earned, and maturity amount based on current PPF interest rates.
Yes, absolutely. Our PPF Calculator is completely free and available 24/7. You can use it as many times as you want to compare different investment scenarios.
The calculator is designed using the current official PPF interest rate. However, since the government may revise rates quarterly, we recommend checking official notifications for the latest updates.
The minimum annual investment in PPF is ₹500, and the maximum limit is ₹1.5 lakh per financial year as per government rules. Investing regularly can help you maximize your long-term returns.
Yes. PPF is backed by the Government of India, making it one of the safest long-term investment options available. It also offers tax benefits under Section 80C.
Yes, after the initial 15-year maturity period, you can extend your PPF account in blocks of 5 years, either with or without additional contributions.
