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PPF Calculator India 2026

Calculate your Public Provident Fund maturity value, total deposits and interest for 15 years and extended 5-year blocks. Compare deposit timing, inflation-adjusted value and long-term PPF growth with a transparent, PPF-specific calculation method.

7.10% Current assumed PPF rate
₹1.5L Annual deposit ceiling
15 Yr Initial maturity period
5 Yr Extension blocks
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Calculate Your PPF Maturity

Enter your planned contribution and choose how you expect to deposit it. Results update instantly.

Investment Details
₹500 minimum and up to ₹1,50,000 per financial year.
Monthly mode divides the annual contribution into 12 equal instalments.
PPF monthly interest is based on the lowest balance between the close of the 5th day and month-end.
Current planning rate 7.10% p.a.
Extension with deposits is available in 5-year blocks subject to scheme conditions.
Used only to estimate future purchasing power.
Optional. Estimates the annual contribution needed to reach the target.
Estimated Maturity Value ₹0
Total Invested ₹0
Total Interest Earned ₹0
Inflation-Adjusted Value ₹0
Enter your PPF contribution to see the projection.
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PPF Corpus Growth

Deposits and accumulated interest over the selected projection period.

The projection table below provides the same information if the chart library is unavailable.

Year-by-Year PPF Projection

Estimated annual deposits, interest and closing balance.

Year Opening Balance Contribution Interest Closing Balance

PPF Long-Term Scenario Comparison

See how the same contribution could grow if the account is continued through 15, 20, 25 and 30-year horizons.

What Is a PPF Calculator?

A PPF calculator estimates the future value of a Public Provident Fund account from the planned contribution, assumed interest rate, deposit timing and investment period. It shows total deposits, estimated interest and maturity value without requiring manual calculations.

How Does the PDFTeq PPF Calculator Work?

Unlike a simple future-value calculator, this tool uses a PPF-oriented monthly interest model. The calculation considers the balance eligible for interest during each month and credits the accumulated interest at the end of the financial year.

The projection also separates the amount you deposit from the interest generated by the account. This makes it easier to understand how long-term compounding contributes to the final PPF balance.

Why Does the 5th-Day Rule Matter?

Under the PPF scheme, interest for a month is calculated on the lowest balance between the close of the fifth day and the end of that month. Therefore, the timing of a deposit can affect the interest earned for that month.

For planning purposes, this calculator provides both a “before the 5th” and “after the 5th” assumption so users can see the difference instead of treating every deposit date as identical.

What Is the PPF Contribution Limit?

Under the Public Provident Fund Scheme, deposits are subject to a minimum of ₹500 and a maximum of ₹1,50,000 in a financial year. Deposits can be made in one lump sum or instalments, subject to the applicable scheme conditions.

How Long Does a PPF Account Run?

The initial PPF maturity period is 15 years from the end of the financial year in which the account was opened. After maturity, the account can be extended in five-year blocks, subject to the applicable rules.

What Happens If You Continue PPF After 15 Years?

There are different planning possibilities after the initial maturity. A PPF account can be continued without additional deposits, or eligible account holders can opt for a further five-year block with deposits subject to the scheme's conditions and required election.

Is PPF Interest Taxable?

PPF interest has historically been treated as exempt from income tax under the applicable income-tax provisions. The Income Tax Department's reporting guidance specifically identifies interest on a PPF account as exempt from tax. Tax rules can change, so users should verify the current rules for their circumstances.

PPF Calculator Formula and Methodology

A conventional PPF calculator may use an annual future-value approximation. However, this PDFTeq calculator uses a monthly balance approach for planning because PPF interest eligibility is determined monthly.

Planning model:
Monthly eligible balance × annual rate ÷ 12 = estimated monthly interest. The estimated monthly interest is accumulated and credited to the balance at the end of each financial year.

Important Assumptions

  • The displayed rate is an assumed planning rate and may change when the Government revises small-savings rates.
  • Contributions are assumed to comply with the annual PPF contribution ceiling.
  • The calculator does not model every possible transaction date, withdrawal, loan, default, premature closure or account-specific adjustment.
  • Inflation-adjusted value is a purchasing-power estimate, not an amount paid by the PPF scheme.
  • Results are estimates for financial planning and should not be treated as a statement of guaranteed future value.

PPF Calculator FAQs

The calculator currently uses 7.10% per annum as the planning rate for FY 2026-27. PPF and other small-savings rates are government-notified and may be revised for subsequent quarters.
The PPF Scheme specifies a maximum deposit of ₹1,50,000 in a financial year, subject to the applicable scheme provisions.
PPF interest for a month is based on the lowest balance between the close of the fifth day and the end of the month. Therefore, a deposit made early enough to be included in the month's eligible balance can earn interest for that month.
Yes. The PPF scheme provides for continuation after maturity through five-year extension blocks, with different rules depending on whether further deposits are made.
This calculator provides a projection based on the selected assumed interest rate. Future government-notified PPF rates can change, so a projection using today's rate should not be interpreted as a guaranteed future maturity amount.
PPF interest is treated as exempt from income tax under the applicable tax provisions. Tax laws can change, so users should verify the current position for their particular circumstances.
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PPF Calculator Disclaimer

PDFTeq provides this calculator for educational and financial planning purposes only. The result is an estimate based on the inputs and assumptions selected by the user. Actual PPF interest depends on the government-notified rate, account transactions and applicable scheme rules.

This calculator does not constitute investment, tax or legal advice. Verify current PPF rules and tax treatment with the relevant official authority or a qualified professional before making financial decisions.