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PPF Calculator
Quick answer
PPF maturity in short (7.1% p.a., Oct–Dec 2026):
- ₹1.5 lakh deposited at the start of every year for 15 years ≈ ₹40.68 lakh (₹22.5 lakh deposits + ₹18.18 lakh interest).
- The rate is the same at the Post Office and banks; the government reviews it every quarter.
- Enter your own deposit and years below.
Enter your yearly deposit (up to ₹1.5 lakh), the interest rate and the number of years to see your PPF maturity value and interest earned. Everything is calculated in your browser – nothing is uploaded or saved.
How to use
Formula / how it works
Deposits are assumed at the start of each year. The government reviews the PPF rate every quarter, so check the current rate.
Results are estimates for guidance. Your bank, employer or official documents are always final.
🔒 Privacy: this tool runs entirely in your browser. Nothing you type is saved, uploaded or sent anywhere – close the tab and it is gone.
More details
PPF maturity table at 7.1% (yearly deposit at start of year)
| Yearly deposit | Years | Total deposit | Interest | Maturity |
|---|---|---|---|---|
| ₹12,000 | 15 | ₹1,80,000 | ₹1,45,457 | ₹3,25,457 |
| ₹50,000 | 15 | ₹7,50,000 | ₹6,06,070 | ₹13,56,070 |
| ₹1,00,000 | 15 | ₹15,00,000 | ₹12,12,139 | ₹27,12,139 |
| ₹1,44,000 | 15 | ₹21,60,000 | ₹17,45,481 | ₹39,05,481 |
| ₹1,50,000 | 15 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
| ₹1,50,000 | 20 | ₹30,00,000 | ₹36,58,288 | ₹66,58,288 |
| ₹1,50,000 | 25 | ₹37,50,000 | ₹65,58,015 | ₹1,03,08,015 |
₹1.44 lakh a year is the same as ₹12,000 a month. Figures assume 7.1% stays unchanged (rate for Oct–Dec 2026, Ministry of Finance) and deposits made by 5 April; real results change if the rate changes. After 15 years PPF can be extended in 5-year blocks. Compare with the FD calculator or SIP calculator.
FAQ
Frequently asked questions
Is the result exact?
The formula is standard, but banks and employers may round differently or add charges, so small differences are possible.
Is my data saved?
No. Everything is calculated in your browser and nothing is sent anywhere.
Does it work on mobile?
Yes, in any modern browser on Android, iPhone, tablet or computer.
Do I need an internet connection?
Only to open the page. After it loads, the calculator also works offline.
What is the PPF interest rate now?
7.1% per year for October–December 2026; the Ministry of Finance kept it unchanged. It is reviewed every quarter.
Is the Post Office PPF calculator different from a bank PPF calculator?
No. PPF rules and the interest rate are the same whether the account is in a post office or a bank.
How much will ₹1.5 lakh a year in PPF become after 15 years?
About ₹40.68 lakh at 7.1%, if deposited at the start of every year.