PPF Calculator

Estimate PPF growth using your annual deposits and an entered interest rate. Enter your own values below to see projected PPF balance and check the method behind it.

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Your inputs

Change the example values to match your situation.

Your result

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Fill in your inputs and select Calculate.
Your result and breakdown will appear here.

How this calculator works

Add one annual deposit at the start of each financial year, then apply annual interest.

Before you use the result

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • Assumes each deposit qualifies for interest from April (made by the applicable cutoff), a constant rate and no withdrawals. PPF rates can change quarterly; extensions follow scheme rules.

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What is PPF Calculator?

PPF Calculator helps you estimate PPF growth using your annual deposits and an entered interest rate.

The main result is projected PPF balance, with a breakdown of deposited and interest. The formula, example and assumptions below explain how to interpret it.

How to use PPF Calculator

Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.

  1. Gather annual PPF deposit (₹), assumed annual PPF rate (%) and full investment years. Use values from the same situation or reporting period.
  2. Replace the example annual PPF deposit with your own value, then complete the other fields. Check the displayed units.
  3. Select Calculate and read projected PPF balance with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
  • Enter annual PPF deposit in ₹, at least 500 and at most 150000. Decimals are accepted.
  • Enter assumed annual PPF rate in %, at least 0 and at most 100. Decimals are accepted.
  • Enter full investment years, at least 15 and at most 50. Use a whole number.

PPF Calculator: a worked example

With the inputs below, the result is ₹40,68,209.22 (projected PPF balance). Follow the example, then replace these illustrative values with your own.

Example inputs and output
Input or outputExample value
Annual PPF deposit (₹)₹1,50,000
Assumed annual PPF rate (%)7.1 %
Full investment years15
Projected PPF balance₹40,68,209.22
Deposited₹22,50,000
Interest₹18,18,209.22

Understanding the PPF result

Read projected PPF balance alongside deposited and interest. These describe different parts of the same calculation.

Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.

  • Example Deposited: ₹22,50,000
  • Example Interest: ₹18,18,209.22

PPF Calculator: assumptions and common mistakes

A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • Assumes each deposit qualifies for interest from April (made by the applicable cutoff), a constant rate and no withdrawals. PPF rates can change quarterly; extensions follow scheme rules.
  • A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.

For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.

PPF Calculator FAQs

What does PPF Calculator calculate?

PPF Calculator helps you estimate PPF growth using your annual deposits and an entered interest rate. Its main output is projected PPF balance in ₹.

What inputs do I need for PPF Calculator?

You need annual PPF deposit (₹), assumed annual PPF rate (%) and full investment years. Use the field labels and units to match your figures to the formula.

Which formula does PPF Calculator use?

Add one annual deposit at the start of each financial year, then apply annual interest.

What is a worked example for PPF Calculator?

Example inputs: Annual PPF deposit: ₹1,50,000; Assumed annual PPF rate: 7.1 %; Full investment years: 15. The result is ₹40,68,209.22 (projected PPF balance).

How should I enter annual PPF deposit?

Enter annual PPF deposit in ₹, at least 500 and at most 150000. Decimals are accepted.

How do I choose assumed annual PPF rate?

Enter assumed annual PPF rate in %, at least 0 and at most 100. Decimals are accepted. The example uses 7.1 %; replace it if your circumstances differ.

How should I read projected PPF balance?

Read projected PPF balance alongside deposited and interest. These describe different parts of the same calculation.

Why might my PPF Calculator result differ from my records?

Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded. Differences in entered values, units or rounding can also change the comparison.

Can I compare two scenarios in PPF Calculator?

Yes. Note your first projected PPF balance, change annual PPF deposit or another input, and select Calculate again. Editing a field clears the old result so it is not mistaken for a new calculation.

Is PPF Calculator free, and where are my inputs calculated?

This calculator is free to use without signing in. Its formula runs in your browser; calculator inputs are not sent to a calculation API. The inputs reset to the example values when you reset the form or start a fresh page.