How does the PPF Calculator calculate projections?

The Live Trend Go PPF Calculator computes mathematical projections directly in your web browser using standard regulatory and banking algorithms without server latency.

Is the PPF Calculator free and private?

Yes, the PPF Calculator is 100% free with unlimited calculations. Your financial scenario inputs are processed locally in your browser memory and never transmitted or stored on our servers.

Are the formulas used in the PPF Calculator updated for current regulations?

Yes. All calculation engines are audited quarterly against official Reserve Bank of India (RBI), Central Board of Direct Taxes (CBDT), and AMFI regulatory frameworks.

Banking & LoansTax Free

PPF Calculator

Calculate 15-year Public Provident Fund (PPF) tax-free maturity and interest compounding.

Runs entirely in your browser
No sign-up, nothing stored
Formula explained below

PPF details

Deposits are assumed at the start of each financial year.

Yearly investment

₹

₹500Max ₹1.5 lakh a year₹1.5L

Time period

yrs

15 yrs15-year lock-in, then 5-year blocks30 yrs

Rate of interest (Govt. set)

5%10%

Maturity value after 15 years

₹27,12,139

₹1,00,000 a year for 15 years at 7.1%. The interest and the maturity amount are both tax-free.

Total investment

₹15,00,000

Total interest (tax-free)

₹12,12,139

Wealth multiple

1.81×

Invested55%
Interest45%

What each year adds

Your yearly deposit stays flat while the interest credited each year keeps rising.

Deposit
Interest credited

From year 11, interest beats your deposit

The interest credited that year (₹1,12,659) is more than the ₹1,00,000 you put in. From then on the account grows faster from compounding than from your own savings.

Tax-free interest

₹12,12,139

No tax on interest or the maturity amount

Interest in final year

₹1,79,796

On a deposit of ₹1,00,000

Interest beats deposit

Year 11

Of 15 years

Interest share

45%

Part of the maturity value that is interest

How your PPF balance builds up

Balance at the end of each year, split into total deposits and the interest accumulated.

Deposits
Interest

What extending your PPF adds

Total tax-free interest if you keep depositing ₹1,00,000 a year and extend in 5-year blocks.

How PPF interest is calculated

PPF interest is compounded once a year. This calculator assumes each deposit is made at the start of the year, so it earns a full year of interest before the next deposit.

Bₜ = (Bₜ₋₁ + P) × (1 + r / 100)

Bₜ: Balance at the end of year t (B₀ = 0)
P: Yearly deposit (₹500 to ₹1.5 lakh)
r: PPF interest rate (% p.a.)
t: Year number, from 1 to the tenure

Is PPF interest really tax-free?

Yes. PPF has EEE status: deposits qualify for a deduction under Section 80C (old tax regime), and both the interest and the maturity amount are exempt from tax.

Who sets the PPF interest rate?

The Government of India reviews the PPF rate every quarter. This calculator applies one rate for the whole tenure, so treat the result as an estimate and re-run it when the rate changes.

Can I continue my PPF after 15 years?

Yes. After the 15-year lock-in you can extend the account in blocks of five years, with or without fresh deposits. The extension chart above shows what continuing deposits for 20, 25 or 30 years would add.

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