PPF Calculator

Estimate the maturity amount of your Public Provident Fund (PPF) investments.

Investment Details

1,00,000
7.1 %
15 Years

Maturity Amount

0

Total Investment

0

Total Interest Earned

0

Year-wise Growth

Year Opening Balance Deposited Amount Interest Earned Closing Balance
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How to Calculate PPF Maturity

Forecast your long-term retirement fund growth instantly — our client-side calculator determines PPF compound returns with complete privacy.

1

Set Investment Frequency & Amount

Choose whether you deposit monthly or annually, then enter your target investment amount (up to ₹1,500,000 per financial year).

2

Select Current PPF Interest

Ensure the interest rate corresponds with the latest government announced quarter rate, compounding annually.

3

Choose Duration & Extensions

Begin with the standard 15-year statutory maturity period, and add optional blocks of 5 years to forecast long-term wealth.

4

Inspect Maturity Summary

Instantly check total invested funds, overall compound interest earned, final tax-free maturity amount, and annual progression tables.

🔒 Standard Browser Security Sandbox

Your retirement savings forecast remains strictly private. Calculations utilize browser memory engines exclusively — zero server transmissions, zero external logs.

PPF Long-Term Savings Features

Flexible Deposit Schedules

Calculate returns for lump-sum annual investments or recurring monthly contributions based on standard post office rules.

Compound Interest Projections

Compounds returns on an annual basis to display the mathematical exponential curve of your capital growth.

Timeline Extensions Simulation

Model extensions beyond the initial 15 years in blocks of 5 years (either with additional deposits or letting the fund grow on interest alone).

Exempt-Exempt-Exempt (EEE) Summary

Highlights tax deductions under Section 80C, tax-free annual interest accumulation, and tax-free final maturity payouts.

Instant Offline PPF Compounding Engine

Computes complex multi-decade growth curves and monthly interest balance projections instantly using local script processing without external database queries.

Frequently Asked Questions

1 What is the Public Provident Fund (PPF) Calculator?
It is a long-term compound growth simulator that models the growth of your Public Provident Fund (PPF) deposits based on annual compounding formulas and standard Indian government rules.
2 How is PPF interest calculated under current regulations?
PPF interest is compounded annually, but calculated monthly based on the lowest balance in the account between the close of the 5th day and the end of the month. The calculator simulates this monthly baseline rule for accuracy.
3 Can I extend the PPF timeline beyond 15 years in this tool?
Yes. You can toggle extensions in blocks of 5 years (e.g., 20, 25, or 30 years total term), which matches the post office extension framework available to account holders.
4 What are the maximum and minimum deposit rules for PPF?
Currently, standard rules require a minimum deposit of ₹500 and cap the maximum deposit at ₹1.5 lakh per financial year. Depositing over ₹1.5 lakh in a year does not earn interest and is not eligible for tax breaks.
5 Are my retirement financial scenarios stored on any server?
No. All computations run directly in your local browser sandbox using javascript. Your financial details, deposit rates, or growth scenarios are never sent to external servers or logged remotely.