PPF CALCULATOR
Calculate Public Provident Fund maturity returns, total interest earned, and print a yearly ledger.
₹50,000
Min: ₹500 | Max: ₹1,50,000 per financial year
PPF can be extended in blocks of 5 years indefinitely
Investment Summary
Total Invested
₹7,50,000
Interest Earned
₹6,06,070
Maturity Value
₹13,56,070
Note: Interest on PPF is calculated on the lowest balance between the close of the 5th day and the end of the month, compounded annually.
Year-by-Year Compounding Projection
| Year | Calendar Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance |
|---|---|---|---|---|---|
| Year 1 | 2026 | ₹0 | ₹50,000 | ₹3,550 | ₹53,550 |
| Year 2 | 2027 | ₹53,550 | ₹50,000 | ₹7,352 | ₹1,10,902 |
| Year 3 | 2028 | ₹1,10,902 | ₹50,000 | ₹11,424 | ₹1,72,326 |
| Year 4 | 2029 | ₹1,72,326 | ₹50,000 | ₹15,785 | ₹2,38,111 |
| Year 5 | 2030 | ₹2,38,111 | ₹50,000 | ₹20,456 | ₹3,08,567 |
| Year 6 | 2031 | ₹3,08,567 | ₹50,000 | ₹25,458 | ₹3,84,025 |
| Year 7 | 2032 | ₹3,84,025 | ₹50,000 | ₹30,816 | ₹4,64,841 |
| Year 8 | 2033 | ₹4,64,841 | ₹50,000 | ₹36,554 | ₹5,51,395 |
| Year 9 | 2034 | ₹5,51,395 | ₹50,000 | ₹42,699 | ₹6,44,094 |
| Year 10 | 2035 | ₹6,44,094 | ₹50,000 | ₹49,281 | ₹7,43,375 |
| Year 11 | 2036 | ₹7,43,375 | ₹50,000 | ₹56,330 | ₹8,49,705 |
| Year 12 | 2037 | ₹8,49,705 | ₹50,000 | ₹63,879 | ₹9,63,584 |
| Year 13 | 2038 | ₹9,63,584 | ₹50,000 | ₹71,964 | ₹10,85,548 |
| Year 14 | 2039 | ₹10,85,548 | ₹50,000 | ₹80,624 | ₹12,16,172 |
| Year 15 | 2040 | ₹12,16,172 | ₹50,000 | ₹89,898 | ₹13,56,070 |
Year 1 (2026)Closing: ₹53,550
Opening Balance₹0
Annual Deposit₹50,000
Interest Earned (7.1%)+₹3,550
Year 2 (2027)Closing: ₹1,10,902
Opening Balance₹53,550
Annual Deposit₹50,000
Interest Earned (7.1%)+₹7,352
Year 3 (2028)Closing: ₹1,72,326
Opening Balance₹1,10,902
Annual Deposit₹50,000
Interest Earned (7.1%)+₹11,424
Year 4 (2029)Closing: ₹2,38,111
Opening Balance₹1,72,326
Annual Deposit₹50,000
Interest Earned (7.1%)+₹15,785
Year 5 (2030)Closing: ₹3,08,567
Opening Balance₹2,38,111
Annual Deposit₹50,000
Interest Earned (7.1%)+₹20,456
Year 6 (2031)Closing: ₹3,84,025
Opening Balance₹3,08,567
Annual Deposit₹50,000
Interest Earned (7.1%)+₹25,458
Year 7 (2032)Closing: ₹4,64,841
Opening Balance₹3,84,025
Annual Deposit₹50,000
Interest Earned (7.1%)+₹30,816
Year 8 (2033)Closing: ₹5,51,395
Opening Balance₹4,64,841
Annual Deposit₹50,000
Interest Earned (7.1%)+₹36,554
Year 9 (2034)Closing: ₹6,44,094
Opening Balance₹5,51,395
Annual Deposit₹50,000
Interest Earned (7.1%)+₹42,699
Year 10 (2035)Closing: ₹7,43,375
Opening Balance₹6,44,094
Annual Deposit₹50,000
Interest Earned (7.1%)+₹49,281
Year 11 (2036)Closing: ₹8,49,705
Opening Balance₹7,43,375
Annual Deposit₹50,000
Interest Earned (7.1%)+₹56,330
Year 12 (2037)Closing: ₹9,63,584
Opening Balance₹8,49,705
Annual Deposit₹50,000
Interest Earned (7.1%)+₹63,879
Year 13 (2038)Closing: ₹10,85,548
Opening Balance₹9,63,584
Annual Deposit₹50,000
Interest Earned (7.1%)+₹71,964
Year 14 (2039)Closing: ₹12,16,172
Opening Balance₹10,85,548
Annual Deposit₹50,000
Interest Earned (7.1%)+₹80,624
Year 15 (2040)Closing: ₹13,56,070
Opening Balance₹12,16,172
Annual Deposit₹50,000
Interest Earned (7.1%)+₹89,898
PPF Rules and Benefits
Tax Exempt status (EEE)
- Tax saving up to ₹1.5 Lakhs annually under 80C.
- Interest earned is completely tax-free.
- Final maturity withdrawals are exempt from tax.
Extensions & Loans
You can take a loan against your PPF balance between the 3rd and 6th financial years. Post the 15-year maturity, you can extend the account in blocks of 5 years with or without fresh contributions.
Need Ultra-Fast Web Hosting for Your Website?80% Off Deal
Get a free domain, unlimited SSL certificates, and 24/7 support via our exclusive Hostinger partner referral link.
Claim Discount Deal
How to Calculate Public Provident Fund (PPF) Returns
- Enter your yearly PPF contribution amount (from ₹500 to ₹1,50,000).
- Select the tenure (default maturity is 15 years, extendable in blocks of 5 years).
- Check the total principal invested, interest accrued, and final maturity corpus.