PPF Account Maturity & Interest Calculator
Calculate the maturity amount and returns on your Public Provident Fund (PPF) investment with tax benefits.
PPF Account Maturity & Interest Calculator
Calculate the maturity amount and returns on your Public Provident Fund (PPF) investment with tax benefits.
Calculation guide
How to use the PPF Account Maturity & Interest Calculator
Calculate the maturity amount and returns on your Public Provident Fund (PPF) investment with tax benefits. This tool is designed for Indian users who want a quick estimate before comparing options, speaking with an advisor, or committing money. It helps you estimate maturity value, compare safe-saving options, and plan goal-based savings with interest and time clearly separated.
What this calculator answers
The maturity value of Public Provident Fund deposits over the 15-year lock-in, with yearly contributions and the current rate.
Practical tip
Depositing before the 5th of the month earns interest for that month, so an early deposit each April gives the full year's interest.
Worked example
Depositing the maximum Rs 1.5 lakh every year for 15 years at 7.1% results in a maturity value of roughly Rs 40.7 lakh, of which Rs 22.5 lakh is your own contribution.
Want the full picture first? Read our PPF guide.
Formula and methodology
Savings products usually use simple interest, compound interest, or scheme-specific rules. The calculator applies the relevant formula based on the selected tool and input frequency.
WealthWiseGrow keeps calculator inputs private in your browser wherever possible. The result should be treated as an educational estimate and reviewed against the official product terms, bank quote, fund document, tax rule, or salary structure that applies to your situation.
Example interpretation
For example, two deposits with the same annual rate can produce different maturity amounts if one compounds quarterly and the other annually. Use the calculator to compare real maturity value, not only the headline rate.
After calculating, compare at least two scenarios: a conservative case and an optimistic case. This helps you avoid planning around a single number that may not survive changes in income, interest rates, inflation, tax rules, or market returns.
Key assumptions
- - Interest rates may change for new deposits or future contributions.
- - Tax treatment can vary based on income slab, product type, and holding period.
- - Premature withdrawal rules may reduce the final value.
Common mistakes
- - Comparing only the advertised interest rate.
- - Forgetting tax on interest income.
- - Using long lock-in products for short-term emergency money.