What is a PPF Calculator?
A PPF Calculator estimates the maturity value of yearly deposits in a Public Provident Fund account, using the interest rate and duration you enter.
PPF is a government-backed savings scheme with a 15-year lock-in that can be extended in blocks of 5 years. You can deposit between ₹500 and ₹1.5 lakh a year. The government sets the rate every quarter, so the actual maturity value can differ from the estimate.
How to use the PPF Calculator
- Enter yearly deposit.
- Enter interest rate.
- Enter duration.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- Long-term savers who want a government-backed option
- People using the old tax regime and its 80C deduction
- Parents saving for a child’s future
Key terms
- Yearly deposit
- The amount you put in each financial year.
- Interest rate
- The yearly PPF rate set by the government.
- Duration
- The total number of years, at least 15.
- Maturity value
- Total deposits plus interest at the end.
Frequently asked questions
What is the PPF lock-in period?
15 years, which you can extend in 5-year blocks.
How much can I deposit in PPF?
Between ₹500 and ₹1.5 lakh in a financial year.
Is PPF interest taxable?
No. PPF interest and maturity are tax-free.
When should I deposit each year?
Depositing before the 5th of April gives interest for the full year.
Is my data stored?
No. Nothing is saved or uploaded.
Last updated: 1 November 2026