Friendly Toolkit
PPF Calculator
Plan your PPF
Maturity value of a Public Provident Fund account, with yearly or monthly deposits and extensions.
Free, private, no sign-up
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Suggest an improvementHow to calculate PPF maturity
- Enter how much you'll deposit each financial year (₹500 to ₹1,50,000).
- Enter the current PPF interest rate.
- Choose whether you deposit once a year or every month, and the term (15 years, or longer with extensions).
The 5th-of-the-month rule
PPF interest is worked out every month on the lowest balance between the 5th and the end of the month, and added to your account once a year. A deposit made by 5 April earns interest for the whole year; one made on 6 April misses that month.
Good to know
Why do I have to enter the interest rate?
The government reviews the PPF rate every quarter. Entering the current rate keeps the result right, instead of relying on a rate that may have changed.
Is PPF tax-free?
Yes. Deposits qualify for deduction under the old tax regime, and the interest and the maturity amount are tax-free.
Can I keep my PPF account after 15 years?
Yes, in blocks of 5 years, with or without new deposits. This calculator assumes you keep depositing.