Illustrate annual PPF contributions, notified-rate assumptions and real maturity value. Change every input and see the estimate update immediately.
7.1 %
Government small-savings rates are reviewed quarterly.
Extensions are available only in five-year blocks.
Your estimate
₹40,68,209
Estimated value
Amount contributed
₹22,50,000
Estimated growth
₹18,18,209
Today’s purchasing power
₹16,97,522
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Understanding the calculator
The Public Provident Fund is a government-backed long-term savings scheme governed by current account rules and periodically notified rates. This tool illustrates annual contributions under one constant rate assumption.
The PPF calculator estimates cumulative contributions, interest and maturity for annual deposits over the selected term.
Methodology
Worked example. ₹1.5 lakh contributed at the beginning of every year for 15 years at a constant 7.1% produces an illustration, not a guaranteed maturity amount.
Rule basis
Effective 2026-04-01. Reviewed 2026-08-10.
Review again after 2027-03-31.
Policy-linked estimates can become stale. Confirm current eligibility, rates, limits and filing treatment before acting.
No. The initial maturity is 15 complete financial years and continuation after maturity is selected in five-year blocks.
After maturity, continuation without further contributions is available under the applicable account rules.
It is an educational tool that applies the disclosed PPF projection method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.
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