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PPF Calculator for Contributions

Project Public Provident Fund maturity value, total deposits, and interest from annual deposits and an entered rate.

FormulaBalance is projected yearly: balance = (opening balance + annual deposit) x (1 + annual 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.

SourcesThis 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.

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
2026-06-23

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.
FAQ6 common questions for this calculator.

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?+

For the PPF Calculator, 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?+

For the PPF Calculator, enter annual deposits and an entered rate. Keep the units consistent with the calculator fields and compare your setup with the worked example on the page.

How accurate is the PPF Calculator?+

PPF Calculator is accurate for the rates, amounts, dates, and rules entered. It uses the PPF projection formula shown on this page. Real products can differ because of fees, taxes, contract terms, or changing official thresholds.

What should I check before using the PPF Calculator result?+

For the PPF Calculator, check annual deposits and an entered rate, then compare the PPF projection formula and worked example with the contract or source you will rely on. Fees, tax year, currency, and payment timing can change the final decision.

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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. 1

    Enter your details

    Enter annual deposits and an entered rate, then complete any other fields shown in the calculator.

  2. 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. 3

    Compare scenarios

    Change one or more inputs to see how they affect the PPF Calculator result before you use the estimate.