Finance calculator
IndiaPPF Calculator
Project Public Provident Fund maturity value, total deposits, and interest from annual deposits and an entered rate.
Formula
PPF projection formula
PPF rates are notified by the government and can change. This calculator uses the rate you enter and simplifies deposit timing.
Balance is projected yearly: balance = (opening balance + annual deposit) x (1 + annual rate)
An annual deposit of 150,000 at 7.1% for 15 years is projected year by year with interest credited annually.
Sources and assumptions
India PPF source notes
This profile covers a simplified Public Provident Fund projection. The calculator uses the annual deposit and interest rate entered by the user and compounds yearly for a planning estimate.
- Effective year
- 2026
- Last verified
- 2026-05-28
PPF rates are notified by the government and can change. This calculator uses the rate you enter and simplifies deposit timing.
Official and reference sources
Assumptions
- The annual deposit is assumed at the beginning of each year.
- Interest is compounded yearly using the user-entered annual rate.
- The calculator does not enforce deposit frequency or account-level transaction rules.
- The default term is 15 years, matching the common PPF maturity period.
Not included
- Exact monthly interest basis, partial withdrawals, loans, extension blocks, nomination, and account-opening rules.
- Tax deduction eligibility, yearly deposit cap validation beyond user awareness, and missed or irregular deposits.
- Future government rate changes unless the user updates the rate.
FAQs
Does this use the official PPF interest rate automatically?+
No. Enter the current rate you want to model. The default is a planning assumption.
Does this handle withdrawals and extensions?+
No. It estimates a simple yearly deposit and maturity scenario.
How does the PPF Calculator calculate the result?+
It uses the PPF projection formula: Balance is projected yearly: balance = (opening balance + annual deposit) x (1 + annual rate). An annual deposit of 150,000 at 7.1% for 15 years is projected year by year with interest credited annually.
What information do I need to use the PPF Calculator?+
Project Public Provident Fund maturity value, total deposits, and interest from annual deposits and an entered rate.
How accurate is the PPF Calculator?+
PPF Calculator applies the formula and assumptions shown on this page. Results may be rounded for readability, so verify changing rates, thresholds, medical guidance, or legal rules with the cited source or a qualified professional.
What should I check before using the PPF Calculator result?+
Check that the units, dates, rates, and assumptions match your situation. Change one input at a time to understand which values have the largest effect on the result.
Finance guide
How to use the PPF Calculator
Project Public Provident Fund maturity value, total deposits, and interest from annual deposits and an entered rate. The page also explains the PPF projection formula and shows a practical example: An annual deposit of 150,000 at 7.1% for 15 years is projected year by year with interest credited annually.
- 1
Enter your details
Enter annual deposits and an entered rate, then complete any other fields shown in the calculator.
- 2
Check the calculation
Review the result alongside the PPF projection formula: Balance is projected yearly: balance = (opening balance + annual deposit) x (1 + annual rate).
- 3
Compare scenarios
Change one or more inputs to see how they affect the PPF Calculator result before you use the estimate.
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