About this PPF Calculator
The Public Provident Fund (PPF) is a long-term savings scheme with a 15-year core tenure and interest set by the government. A PPF calculator helps you project maturity value from regular yearly contributions.
PPF is often used alongside EPF and equity SIPs as the debt-like, long-horizon bucket in a simple household portfolio.
How to use this calculator
- Enter how much you can contribute each year (subject to scheme limits).
- Set the current or assumed PPF interest rate.
- Choose 15 years or longer if you model extensions.
- Review total contributions, interest and maturity value.
Formula used
Approximate maturity with annual contributions at year-end: FV = P × [((1 + r)^n − 1) / r], where P is yearly contribution, r is annual rate, and n is years. Real PPF crediting rules are more detailed.
Practical tips
- Contribute early in the financial year when possible so interest accrues longer.
- Do not treat PPF as emergency cash — liquidity is limited.
- Combine PPF stability with equity SIPs for long-term growth goals.
Frequently asked questions
What is the minimum PPF tenure?
The standard PPF account runs for 15 years and may be extendable in blocks under scheme rules.
Can the PPF rate change?
Yes. The government notifies the rate periodically. This calculator lets you change the rate for what-if planning.
Is there a yearly contribution limit?
PPF has a maximum yearly deposit limit under current rules (commonly discussed as ₹1.5 lakh). Confirm the latest official limit before investing.
PPF vs mutual fund SIP?
PPF focuses on relatively stable, long-term accumulation with scheme rules. Equity SIPs target higher growth with market risk. Many investors hold both.
