PPF Calculator
Estimate Public Provident Fund maturity, deposits and interest over time.
How the PPF Calculator works
Estimate Public Provident Fund maturity, deposits and interest over time. Below is the exact mathematical or algorithmic model used by this investment utility, along with its key operating assumptions.
Balance is projected by adding the yearly deposit and compounding at the selected annual PPF rate for each year.Step-by-step workflow
- Set your starting capital, rate, or tenure in the PPF Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies Balance is projected by adding the yearly deposit and compounding at the selected annual PPF rate for each year. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Worked example & key advantages
A ₹1.5 lakh yearly PPF deposit for 15 years at 7.1% estimates maturity, total deposits and interest earned.
Why use this PPF tool
- Transparent compounding and amortization math (PPF) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Assumes one deposit at the start of each year.
- Interest rate stays constant even though PPF rates are notified periodically.
- The yearly 80C eligible deposit is capped at ₹1.5 lakh in this planner.
- Withdrawal, loan and extension rules are not modeled.
Frequently Asked Questions — PPF
Clear answers to common questions about methodology, edge cases, and privacy.
Is the PPF interest rate fixed for 15 years?
No. PPF rates are notified periodically. Edit the rate to match your assumption.
Why does timing of deposit matter?
Earlier deposits can earn interest for longer, so this planner assumes a start-of-year deposit for a simple projection.
Does PPF count under 80C?
PPF deposits commonly count toward the Section 80C limit, subject to eligibility and the annual cap.