PPF Calculator - Public Provident Fund Interest Calculator

Reviewed August 7, 2026

Enter details

Yearly investment

Interest rate (p.a.)

Tenure (years)

years

ResultUpdates as you type

Maturity value$4,068,209.22

Total invested amount$2,250,000.00

Total interest earned$1,818,209.22

Invested Amount vs Interest

Total invested55.3%
Total interest earned44.7%

PPF Wealth Growth Timeline

Total balance
Total invested

Calculate Public Provident Fund (PPF) maturity value, annual interest compounding, and tax-free wealth accumulation over 15 to 50 years.

The Public Provident Fund (PPF) is a popular long-term, tax-exempt savings scheme backed by the government. Use this PPF calculator to project your maturity value and tax-free interest.

What is a PPF Calculator?

A Public Provident Fund (PPF) calculator evaluates the total maturity value and annual interest growth for long-term government savings accounts. PPF is considered one of the safest tax-saving investment avenues.

Key Features of PPF Accounts

Government Backing: Sovereign guarantee ensures 100% capital safety.
EEE Tax Benefit: Tax deductions on deposit, zero tax on interest earned, zero tax on withdrawal.
Compounding Power: Annual compounding over 15+ years creates massive wealth accumulation.

How to use

Enter your planned yearly contribution amount (up to maximum limits).
Verify the current government PPF interest rate (default 7.1%).
Select tenure (minimum 15 years, extendable in 5-year increments).
Examine total contributions, accumulated interest, and final tax-free maturity corpus.

Formula

PPF interest is compounded annually at the end of each financial year based on annual contributions up to $150,000 / ₹150,000.

PPF Annual Compounding FormulaF = P × [((1 + i)^n − 1) / i]F = maturity value, P = annual deposit, i = annual interest rate, n = tenure in years.

Mandatory Lock-in TenureMinimum Tenure = 15 YearsPPF accounts have a mandatory minimum 15-year lock-in period, extendable in 5-year blocks.

Worked examples

$150,000 annual PPF deposit at 7.1% for 15 years

Investing $150,000 yearly for 15 years ($2,250,000 total deposited) yields a maturity corpus of ~$4,068,209, earning $1,818,209 in interest.

$100,000 annual PPF deposit at 7.1% for 25 years (Extended)

Depositing $100,000 annually over 25 years ($2,500,000 total) grows into a tax-free corpus of ~$6,700,000.

Frequently asked questions

What is a Public Provident Fund (PPF)?

PPF is a government-backed long-term savings scheme offering guaranteed, tax-free returns and capital safety.

What is the minimum lock-in period for PPF?

The minimum lock-in tenure is 15 financial years. After 15 years, you can extend the account indefinitely in 5-year blocks.

What is the maximum yearly deposit in PPF?

The maximum permissible annual investment in a PPF account is $150,000 / ₹150,000 per financial year.

Are PPF returns tax-free?

Yes, PPF falls under the EEE (Exempt-Exempt-Exempt) tax category, meaning contributions, interest earned, and maturity proceeds are completely tax-exempt.