Tax-free returns under Section 80C • Govt-backed
Maturity Amount
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Total Invested
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Interest Earned
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A PPF maturity calculator tells you exactly how much money you’ll get when your Public Provident Fund account matures after 15 years. It’s free, instant, and saves you from doing complex compound interest math by hand. Just enter your yearly deposit and let the numbers do the work.
A PPF maturity calculator is an online tool that computes the total amount you will receive at the end of your 15-year PPF tenure, based on your annual deposit and the applicable interest rate.
PPF — Public Provident Fund — is one of India’s most trusted government-backed savings schemes. You deposit anywhere from ₹500 to ₹1.5 lakh every year. The government pays compound interest, and the entire maturity amount is tax-free. No surprises.
The PPF maturity calculator removes all the guesswork. Instead of manually calculating compounding year by year, you type in three numbers and get the answer in seconds. It’s especially useful when planning big goals — a child’s education, a house down payment, or early retirement.
For official PPF scheme details, you can check the India Post PPF page or read the Section 80C deduction guide on incometaxindia.gov.in to understand the tax benefits.
The PPF maturity calculator uses the standard compound interest formula for recurring annual deposits. Here’s the exact formula:
📐 Formula: M = P × [((1 + r)^n – 1) / r] × (1 + r)
Where:
M = Maturity amount
P = Yearly deposit amount (₹)
r = Annual interest rate ÷ 100 (currently 7.1% → 0.071)
n = Number of years (minimum 15)
PPF interest is calculated on the lowest balance between the 5th and last day of each month. So if you deposit before the 5th of April, you earn interest for that full month. Deposit after the 5th — and you lose one month’s interest. Small timing, big difference over 15 years.
The interest is credited to your account at the end of each financial year, on 31st March. And every year, that interest itself earns interest — that’s compounding working in your favour.
The PPF maturity calculator above is very simple. No signup. No confusion. Here’s how to use it step by step:
It takes under 30 seconds. Bookmark this page and revisit it every April when you plan your tax-saving investments for the new financial year.
Numbers speak louder than theory. Here’s what the PPF maturity calculator shows for different yearly deposit amounts at 7.1% interest over 15 years in FY2025–26:
| Yearly Deposit | Total Invested | Interest Earned | Maturity Amount |
|---|---|---|---|
| ₹50,000 | ₹7.5 lakh | ₹6.07 lakh | ₹13.57 lakh |
| ₹1,00,000 | ₹15 lakh | ₹12.14 lakh | ₹27.14 lakh |
| ₹1,50,000 | ₹22.5 lakh | ₹18.18 lakh | ₹40.68 lakh |
See that last row? You invest ₹22.5 lakh over 15 years and walk away with ₹40.68 lakh. That’s over ₹18 lakh in tax-free interest. No capital gains tax. No TDS. Zero.
Now extend to 20 years with ₹1.5 lakh per year — the PPF maturity calculator shows a corpus of roughly ₹66.58 lakh. Time really is the most powerful ingredient here.
Want to see how PPF compares with other savings tools? Check our FD calculator to see how fixed deposit returns stack up after tax.
Your final PPF maturity calculator result depends on more than just how much you deposit. Here are the key variables:
A few smart habits can add lakhs to what the PPF maturity calculator shows you.
Transfer ₹1.5 lakh to your PPF account on or before April 5th every year. This single habit earns you interest for the entire month of April. Over 15 years, early deposits can add ₹50,000–₹1 lakh extra to your maturity amount compared to someone who deposits in March.
Don’t withdraw at 15 years unless you genuinely need the money. Extending to 20 or 25 years lets compounding do the heavy lifting. The PPF maturity calculator shows this clearly — the corpus nearly doubles when you go from 15 to 20 years at the same deposit level.
PPF gives you safety and tax savings. A mutual fund SIP gives you higher potential returns. Use both. PPF for the guaranteed, tax-free foundation — SIP for growth. Together they build a balanced long-term portfolio.
Parents can open a PPF account in a minor child’s name. Your own ₹1.5 lakh limit applies to both accounts combined — but it’s a great way to start building a corpus for your child’s higher education from early on.
For retirement planning that goes beyond PPF, explore the retirement corpus calculator to see if your current savings will be enough.
A: The PPF maturity calculator is highly accurate for fixed-rate scenarios. It uses the standard compound interest formula with the current 7.1% rate. However, since the government can revise PPF interest rates quarterly, your actual maturity amount may vary slightly if rates change during your tenure. Tax calculations are indicative. Consult a CA for your situation.
A: The PPF maturity calculator uses the formula: M = P × [((1 + r)^n – 1) / r] × (1 + r). Here, M is the maturity amount, P is the annual deposit, r is the annual interest rate divided by 100, and n is the number of years. At 7.1% for 15 years with ₹1.5 lakh/year, the result is approximately ₹40.68 lakh.
A: Yes. PPF falls under the EEE (Exempt-Exempt-Exempt) tax category. Your yearly deposits get a deduction under Section 80C, the interest earned is tax-free every year, and the full maturity amount you see in the PPF maturity calculator is also completely exempt from income tax. This makes PPF one of the most tax-efficient savings options in India.
A: Absolutely. The PPF maturity calculator works for any tenure — 15, 20, or 25 years. Simply change the number of years in the tenure field. PPF accounts can be extended in 5-year blocks after the initial 15-year period, with or without fresh contributions. The corpus grows significantly with each extension thanks to compounding.
A: PPF accounts are available at all major Indian banks — SBI, HDFC Bank, ICICI Bank, Bank of Baroda, Punjab National Bank — as well as at all post offices. The interest rate and rules are identical everywhere since it’s a government scheme. Use the PPF maturity calculator above to plan your deposits, then open or continue your account at any of these institutions.
Try the free PPF maturity calculator above with your actual deposit amount. Bookmark this page so you can revisit it each April when the new financial year begins — and make sure you’re on track to hit your savings target.
