PPF Calculator
Calculate Public Provident Fund maturity value and interest earned.
Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Free — no signup, no account, no watermark
- Runs entirely in your browser — nothing is uploaded to a server
- Works on mobile, tablet and desktop
- Instant — results appear as soon as you enter your input
Why this is private
- Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Open your browser's DevTools → Network tab while using this tool — you won't see a request carrying your input, because it never leaves your device.
- Nothing you enter is uploaded to a server or shared with us — the processing happens entirely on your device.
Overview
Calculates the maturity value of a Public Provident Fund (PPF) account — a fixed yearly contribution, compounded annually over the account's tenure (a 15-year lock-in by default, extendable in 5-year blocks).
How to use it
- 1Enter the yearly investment, current PPF interest rate and tenure.
- 2View the maturity value and total interest earned.
Formula
PPF maturity value
A = P × [((1 + r)^n − 1) / r] × (1 + r)
P is the yearly contribution, r the annual rate as a decimal, n the number of years — the standard annuity-due formula used because PPF interest compounds annually on a contribution made at the start of the year.
Tips
- This calculator provides an estimate for planning purposes only and is not financial advice.
- PPF has a legal maximum contribution of ₹1.5 lakh per financial year and a minimum lock-in of 15 years — this calculator assumes a consistent yearly contribution for the full tenure entered, not partial-year or irregular deposits.
Frequently asked questions
What people use it for
Plan yearly PPF contributions toward a goalTry different yearly amounts to see what reaches a target maturity value.
Compare PPF against FD or a debt fundCompare this maturity figure against the FD or Lumpsum calculator at a similar rate.
Decide whether to extend beyond 15 yearsRe-run with a longer tenure (in 5-year blocks) to see the effect of extending.
Related guides
- Reduce EMI or reduce tenure after a part payment: which saves more?Both lower your total interest, but not by the same amount. Here's the trade-off, a worked example, and how to compare your own loan.
- How to calculate a home loan foreclosure amountOutstanding principal, accrued interest, charges and tax — what goes into a loan foreclosure (pre-closure) figure, and why the bank's number can differ.
- SIP vs. lumpsum: what the math actually saysSystematic investing and lump-sum investing solve different problems. Here's how to reason about which one fits your situation.
- How to calculate EMI (and why the formula looks so intimidating)A plain-English walkthrough of the EMI formula, what each variable means, and a worked example you can check by hand.
Related tools
All finance toolsFD CalculatorCalculate fixed deposit maturity value and interest earned.RD CalculatorCalculate Recurring Deposit maturity value and interest earned.Compound Interest CalculatorCalculate compound interest with configurable compounding frequency and optional regular contributions.EMI CalculatorCalculate your monthly EMI, full amortization schedule, and part-payment or foreclosure savings.
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PPF Calculator