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PPF Calculator

↻ Updated FY 2026-27

See what your Public Provident Fund (PPF) grows to. Enter a yearly investment and watch it compound annually over the 15-year lock-in at the current notified rate.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Yearly investment
Max ₹1.5 lakh per financial year
Interest rate
Investment period
15-year lock-in, extendable in 5-year blocks
Maturity value
₹40,68,209
after 15 years
Total invested
₹22,50,000
₹1,50,000/yr
Interest earned
₹18,18,209
81% of deposits
Balance growth7.1% · 15 yr
year 1year 15
Invested vs interest
Your deposits₹22,50,000
Interest₹18,18,209
ASSUMPTIONS — Deposits are made at the start of each year and interest compounds annually at the notified PPF rate. Rates shown are for the Jul–Sep 2026 quarter and are revised quarterly by the Ministry of Finance. PPF maturity is fully tax-free (EEE). Actual PPF interest is credited on the lowest balance between the 5th and month-end, so real returns can vary slightly by deposit timing.

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Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.