{"id":14452,"date":"2026-05-27T07:43:08","date_gmt":"2026-05-27T07:43:08","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/glossary\/ppf-calculator\/"},"modified":"2026-05-27T07:43:08","modified_gmt":"2026-05-27T07:43:08","slug":"ppf-calculator","status":"publish","type":"glossary","link":"https:\/\/lemonn.co.in\/blog\/glossary\/ppf-calculator\/","title":{"rendered":"PPF Calculator"},"content":{"rendered":"

A PPF calculator<\/a> is a tool that estimates the maturity value of a Public Provident Fund (PPF) account based on annual contributions, the prevailing interest rate, and the investment tenure. It helps savers plan their long-term savings and understand how PPF compounding works.<\/p>\n

What Is the PPF Calculator?<\/h2>\n

PPF deposits earn compounded annual interest. The interest rate is set by the government quarterly (currently 7.1% per annum). The PPF calculator takes:
\n– Annual deposit amount
\n– Number of years
\n– Interest rate
\n– Whether the deposit is at the beginning or end of each year<\/p>\n

And outputs:
\n– Total amount invested
\n– Total interest earned
\n– Maturity value at the end of the tenure<\/p>\n

PPF Rules Relevant to Calculations<\/h2>\n

– Minimum deposit: Rs 500 per year
\n– Maximum deposit: Rs 1.5 lakh per year (per account)
\n– Interest is calculated on the minimum balance between the 5th and last day of each month
\n– Deposits made before the 5th of a month earn interest for that month
\n– Interest is credited annually on March 31<\/p>\n

PPF Maturity Example<\/h2>\n

Annual deposit: Rs 1.5 lakh
\nInterest rate: 7.1% per annum
\nTenure: 15 years<\/p>\n

Total deposited: Rs 22.5 lakh
\nMaturity value (approximate): Rs 40.68 lakh
\nInterest earned: Rs 18.18 lakh<\/p>\n

The maturity amount is entirely tax<\/a>-free (EEE status: exempt on contribution, accumulation, and maturity).<\/p>\n

PPF Extension After 15 Years<\/h2>\n

After the 15-year maturity, PPF can be extended in 5-year blocks:
\n– With further contributions (earning interest on full balance)
\n– Without contributions (balance continues to earn interest)<\/p>\n

A PPF calculator can model both scenarios to show the extended corpus.<\/p>\n

Key Takeaways<\/h2>\n

– PPF calculator estimates maturity corpus based on annual deposits, 7.1% interest, and 15-year tenure
\n– PPF is an EEE instrument: investment is tax-deductible (80C), interest is tax-free, maturity is tax-free
\n– Maximum annual investment is Rs 1.5 lakh; deposits made before the 5th earn more interest
\n– After 15 years, extension in 5-year blocks allows continued compounding
\n– Free PPF calculators are available on India Post, SBI, and major bank websites<\/p>\n","protected":false},"excerpt":{"rendered":"

A PPF calculator is a tool that estimates the maturity value of a Public Provident Fund (PPF) account based on annual contributions, the prevailing interest rate, and the investment tenure. It helps savers plan their long-term savings and understand how PPF compounding works. What Is the PPF Calculator? PPF deposits earn compounded annual interest. The […]<\/p>\n","protected":false},"author":3,"featured_media":0,"menu_order":0,"template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-14452","glossary","type-glossary","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Team Lemonn","author_link":"https:\/\/lemonn.co.in\/blog\/author\/ashu\/"},"uagb_comment_info":0,"uagb_excerpt":"A PPF calculator is a tool that estimates the maturity value of a Public Provident Fund (PPF) account based on annual contributions, the prevailing interest rate, and the investment tenure. It helps savers plan their long-term savings and understand how PPF compounding works. What Is the PPF Calculator? PPF deposits earn compounded annual interest. The…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/14452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/glossary"}],"author":[{"embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/users\/3"}],"version-history":[{"count":0,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/14452\/revisions"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=14452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}