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 calculator with yearly deposit shows you exactly how much your Public Provident Fund grows each year — interest, balance, and final maturity amount all in one place. Enter your deposit, pick your tenure, and see the full picture instantly. It saves hours of manual math.
A PPF calculator with yearly deposit is an online tool that calculates your Public Provident Fund maturity value, year-by-year interest, and total returns when you deposit a fixed amount each year.
PPF — Public Provident Fund — is a government-backed savings scheme in India. You deposit money every year, earn compound interest, and get the full amount tax-free at maturity. The lock-in period is 15 years.
The “yearly deposit” part matters because PPF compounds annually. So depositing ₹1.5 lakh in April gives you more interest than depositing the same amount in March. A good ppf calculator with yearly deposit accounts for exactly this timing.
The current PPF interest rate for FY2025–26 is 7.1% per annum, set by the Government of India. You can check the latest rates on the Reserve Bank of India website.
PPF interest is calculated on the lowest balance between the 5th and last day of each month. But for yearly deposits, the compound interest formula gives a clean picture.
📐 Formula: M = P × [((1 + r)^n – 1) / r] × (1 + r)
Where M = Maturity Amount | P = Yearly Deposit | r = Annual Interest Rate | n = Number of Years
This is a future value of annuity formula. It assumes you deposit at the start of each year — which is the smartest move with PPF. Depositing before April 5th every year means interest accrues for the full month of April.
So if you deposit ₹1.5 lakh every year on April 1st, you earn interest on that full amount from April itself. Miss the April 5th deadline and you lose one month’s interest. Over 15 years, that adds up to real money.
Using the ppf calculator with yearly deposit above takes less than a minute. Here’s how:
Use the free PPF Calculator above to get your personalised numbers right now.
Here are three real scenarios from the ppf calculator with yearly deposit, all at 7.1% for 15 years. These cover common deposit amounts for salaried Indians earning ₹5L to ₹15L per year.
| Yearly Deposit | Total Invested | Interest Earned | Maturity Amount |
|---|---|---|---|
| ₹50,000 | ₹7.50 lakh | ₹6.06 lakh | ₹13.56 lakh |
| ₹1,00,000 | ₹15.00 lakh | ₹12.12 lakh | ₹27.12 lakh |
| ₹1,50,000 | ₹22.50 lakh | ₹18.18 lakh | ₹40.68 lakh |
Notice how the interest earned is nearly as large as the amount you put in. That’s compound interest doing the heavy lifting over 15 years. And every single rupee of this maturity amount is completely tax-free under Section 80C of the Income Tax Act — the EEE (Exempt-Exempt-Exempt) benefit.
Tax calculations are indicative. Consult a CA for your situation.
This is where a ppf calculator with yearly deposit really earns its value. Let’s look at how ₹1.5 lakh per year grows over 15 years.
| Year | Deposit (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|
| 1 | 1,50,000 | 10,650 | 1,60,650 |
| 3 | 1,50,000 | 34,028 | 5,28,928 |
| 5 | 1,50,000 | 61,892 | 9,36,392 |
| 10 | 1,50,000 | 1,42,850 | 21,32,650 |
| 15 | 1,50,000 | 2,71,900 | 40,68,209 |
See how the interest in Year 15 (₹2.71 lakh) is almost double what you deposit that year? That’s because by Year 15, your growing balance is huge — and 7.1% of a big number is a big number.
The first five years feel slow. But stick with it. Years 10–15 are where the real magic happens.
The ppf calculator with yearly deposit changes significantly based on these inputs. Know what moves the needle.
The Income Tax India website has full details on Section 80C deduction rules for PPF deposits if you want to cross-check the tax benefits.
Small habits make a big difference with PPF. Here’s what actually works.
This single habit can add ₹1–2 lakh extra to your final corpus over 15 years. Set a reminder on your phone. Transfer the money on April 1st or 2nd. Done.
If you earn ₹10 lakh/year, putting ₹1.5 lakh in PPF saves you ₹46,800 in taxes (at 30% bracket) AND earns you tax-free compound interest. It’s one of the best guaranteed return products in India.
At the end of 15 years, you can extend with or without deposits in 5-year blocks. Extending with deposits keeps the compounding engine running. The difference between a 15-year and 25-year PPF corpus is staggering.
Want to compare PPF with other tax-saving options? Check out our ELSS vs PPF calculator to see which suits your risk appetite. And if you’re planning for retirement, our retirement corpus calculator helps you see the full picture. For monthly SIP planning alongside PPF, try the SIP calculator too.
You can open a PPF account for a minor child. The deposits count towards the guardian’s ₹1.5 lakh limit — but it’s a smart way to start a long compounding journey early for your kids.
A: A PPF calculator with yearly deposit uses the compound interest formula: M = P × [((1 + r)^n – 1) / r] × (1 + r). It assumes you deposit a fixed amount at the start of each year. The calculator applies the current 7.1% rate annually and shows you the growing balance year by year until maturity.
A: The maximum yearly deposit allowed in a PPF account is ₹1,50,000 per financial year. Any amount above this does not earn interest and is not eligible for Section 80C tax deduction. The minimum deposit is ₹500 per year to keep the account active.
A: Yes. The PPF calculator with yearly deposit lets you model 15, 20, or 25-year tenures. PPF has a 15-year lock-in and can be extended in 5-year blocks. A ₹1.5 lakh yearly deposit grows to about ₹40.68 lakh in 15 years and significantly more if extended to 20 or 25 years at 7.1% interest.
A: Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. The yearly deposit qualifies for Section 80C deduction (up to ₹1.5 lakh), interest earned is tax-free, and the maturity amount is fully exempt from income tax. This makes PPF one of the most tax-efficient investments available for Indian taxpayers. Tax calculations are indicative — consult a CA for your exact situation.
A: You can open a PPF account at major public and private sector banks including SBI, HDFC Bank, ICICI Bank, Bank of Baroda, and Axis Bank, as well as at any post office. The PPF calculator with yearly deposit works the same regardless of where your account is held — the interest rate is uniform across all authorised banks as set by the Government of India.
Bookmark this page so your PPF calculator with yearly deposit is always one tap away when planning season starts.
