PPF Calculator

Calculate PPF returns without logging in. Enter annual deposit and see 15-year growth instantly. No account, no sign-up needed.

Investment Details

1,00,000
7.1 %
15 Years

Maturity Amount

0

Total Investment

0

Total Interest Earned

0

Year-wise Growth

Year Opening Balance Deposited Amount Interest Earned Closing Balance
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Step-by-Step Guide

PPF Calculator

Calculate your Public Provident Fund (PPF) compounding interest, annual growth lists, and Section 80C tax benefits instantly.

1
Set Investment Schedule

Select your monthly or annual deposit size and specify the 15-year PPF maturity timeline.

Annual Deposit 15-Year Lock
2
Enter Current Interest Rate

Fill in the latest government-mandated PPF interest rate (e.g., 7.1% per annum) to calculate compounding.

Interest Rate % Auto Compounding Financial Rules
3
Solve Maturity Amount

Solve total principal invested, accumulated interest earned, and final maturity payout value instantly.

Principal Total Wealth Earned Maturity Value
4
Inspect Annual Ledgers

Review the detailed year-by-year ledger schedule detailing annual balances, yearly interest earned, and deposits.

Wealth Table Section 80C Limit
Client-side processing
Auto-deleted after session
Zero server uploads
Indian Savings Math

Complete PPF wealth compounding calculator

Plan your post office PPF portfolio, project long-term wealth, and check tax deductions under Section 80C.

Government Interest Rules

Applies compound interest math based on monthly balance calculations (calculated on the lowest balance between the 5th and end of the month).

15-Year Maturity Cycles

Accounts for the mandatory 15-year maturity lock-in, with optional extensions in blocks of 5 years.

Interest Compounding

Simulates annual compounding structures, outlining the compounding effect that drives wealth generation over 15 years.

100% Client-Side Calculations

Computes all compounding sheets locally within browser memory, ensuring your wealth plans remain completely private.

Compiles complete year-by-year PPF ledger sheets
Projects wealth growth with compound interest rates
Sandboxed calculations ensure absolute financial privacy
FAQ

Common Questions

Answers about PPF locking terms, interest compounding methods, extensions, and tax limits.

How is interest calculated in a PPF account?
Interest is calculated monthly on the lowest balance in the account between the close of the 5th day and the end of the month, but it is credited annually on March 31st.
Can I withdraw money before the 15-year maturity?
Partial withdrawals are permitted from the 7th financial year onwards under specific government conditions, up to 50% of the balance at the end of the 4th year.
What are the tax benefits of a PPF account?
PPF falls under the Exempt-Exempt-Exempt (EEE) category. Contributions up to ₹1.5 lakh are tax-exempt under Section 80C, and all interest earned and maturity payouts are 100% tax-free.
Are my savings details stored or tracked?
No, the calculator logic executes entirely in client JavaScript. No investment figures are sent to external databases.
Can I extend my PPF account after 15 years?
Yes, you can extend the account indefinitely in blocks of 5 years, either with new deposits or as a wealth-compounding account without fresh contributions.