PPF Calculator
Project a PPF balance year by year using an editable, clearly-marked interest-rate assumption — statutory rates and rules are never hardcoded here.
Estimated Maturity Value
₹40,68,209
assumed 7.1% p.a., compounded annually
Total contributions
₹22,50,000
Estimated interest
₹18,18,209
- Total Contributions
- Est. Interest
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Tools that naturally follow this calculation.
Rates/rules may change. PPF interest rates, tenure and contribution limits are set by the Government of India and reviewed every quarter. The default 7.1% matched the notified rate when we last checked (June 2026), but it is an editable assumption, not a live feed. Verify the current figure with the National Savings Institute or your bank/post office before relying on it.
Balance growth year by year
- Balance
- Contributions
Year-by-year balance
| Year | Contribution | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
Example calculation
Contributing ₹1,50,000 a year for 15 years at an assumed 7.1% gives an estimated maturity of ₹40,68,209, of which ₹18,18,209 is interest. Always confirm the current statutory rate before relying on this figure.
How this PPF calculator works
The Public Provident Fund compounds interest once a year. Each year we add your contribution to the balance and then apply the assumed annual interest rate. The rate, tenure, and contribution limit are editable assumptions stored in a central configuration — they are not official current figures.
The compounding logic
For each year:
balance = (previous balance + contribution) × (1 + rate)
Interest is calculated on the running balance and added back, so later years benefit from interest earned in earlier years.
Assumptions & Limitations
- •The interest rate is an editable assumption, not the official current rate.
- •Contribution is assumed once per year at the start of the year.
- •Statutory rules on tenure, limits, and withdrawals change over time.
- •Verify all current PPF rules with primary sources before deciding.
Frequently asked questions
Methodology last reviewed: 1 June 2026