PPF Calculator
PPF Calculator: free, instant and private. PPF is compounded annually and the interest is tax-free under EEE.
How the PPF Calculator works
The PPF Calculator takes Yearly deposit, Interest rate (% p.a.), Duration (years) and returns the answer instantly — no button to hunt for, no page reload. PPF is compounded annually and the interest is tax-free under EEE. Deposits made before the 5th of the month earn interest for that whole month, so batching the deposit early in April adds up over 15 years.
Enter your own numbers to replace the example values; the result panel updates as you type. Everything runs in this single page, so nothing you enter leaves your device.
Formula used
Balance = (previous balance + yearly deposit) × (1 + rate)
| Symbol | Meaning |
|---|---|
| yearly deposit | amount added every year, up to the ₹1.5 lakh limit |
| rate | PPF rate, government-notified each quarter |
| years | PPF matures in 15 years |
PPF is compounded annually and the interest is tax-free under EEE. Deposits made before the 5th of the month earn interest for that whole month, so batching the deposit early in April adds up over 15 years.
Inputs used: Yearly deposit, Interest rate (% p.a.), Duration (years).
Worked example
Take the default example — yearly deposit of 150000, interest rate (% p.a.) of 7.1, duration (years) of 15:
- Maturity value: 4,068,209.22
- Interest earned: 1,818,209.22
- Total deposited: 2,250,000
Frequently asked questions
- What formula does the PPF Calculator use?
- It uses Balance = (previous balance + yearly deposit) × (1 + rate), where yearly deposit is the amount added every year, up to the ₹1.5 lakh limit; rate is the PPF rate, government-notified each quarter; years is the PPF matures in 15 years.
- Is the PPF Calculator free?
- Yes. There is no signup, no usage limit and no watermark — the calculator runs entirely in your browser.
- How do I read the result?
- PPF is compounded annually and the interest is tax-free under EEE. Deposits made before the 5th of the month earn interest for that whole month, so batching the deposit early in April adds up over 15 years.
- Does the PPF Calculator store or send my data?
- No. Every calculation happens locally in the page, so the numbers you type are never uploaded or logged.
- Does it work on a phone and offline?
- Yes — the page is a single lightweight file that adapts to any screen size. Once it has loaded it keeps working without a network connection.