Loading page
About this tool
Project your Public Provident Fund maturity with year-wise growth, loan and withdrawal limits, and tax-free returns.
The PPF Calculator projects a Public Provident Fund balance year by year, compounding annually on the assumption that each year's deposit goes in at the start of the year, so the closing balance is (previous balance + deposit) x (1 + rate). It is for anyone deciding how much to put into PPF this financial year and wanting to see the maturity figure, the split between money invested and interest earned, and how a 5-year extension changes the curve. The rate is prefilled at 7.1% per annum and the yearly deposit is capped at the statutory ₹1,50,000, with ₹500 as the minimum.
Open PPF Calculator on AltFTool — it loads instantly in your browser.
Type your deposit into the 'Yearly investment (₹)' box or drag its slider, staying inside the '₹500 min' and '₹1,50,000 max / year' bounds printed beneath it, then set 'Interest rate (% p.a.)', which opens at the notified 7.1%.
Pick a Duration button — '15 years' (Base term), '20 years' (+5 extension) or '25 years' (+10 extension). There is no calculate button: the maturity figure recomputes the moment a field changes, and 'Reset to defaults' returns you to ₹50,000 at 7.1% over 15 years.
Read the maturity amount with the Total invested, Total interest and Effective multiple tiles, scan the Year-wise growth table's Year, Deposit, Interest earned and Closing balance columns where post-15 years carry an 'Ext' badge, then press 'Copy summary'.
Each of the 15 to 25 years shows opening deposit, interest credited and closing balance, so you can see the point at which annual interest overtakes the annual deposit.
The growth chart colours years 16 onward differently from the base 15-year term, making the effect of one or two 5-year extension blocks visible at a glance.
Instead of stating the rules abstractly, it computes your year-3 loan ceiling and year-7 partial withdrawal ceiling from the balances your own inputs produce.
₹1,50,000 per financial year, with a minimum of ₹500 to keep the account active — the calculator enforces both. The limit applies across all PPF accounts you hold, including one opened for a minor.
The base term is 15 years, after which the account can be extended in blocks of 5 years, any number of times, with or without fresh deposits. The 20-year and 25-year options model one and two extension blocks respectively.
A loan is available between the 3rd and 6th financial year, capped at 25% of the balance at the end of the year two years prior. Partial withdrawal opens from the 7th year, capped at 50% of the balance four years prior. The calculator shows both limits for your inputs.
PPF is in the exempt-exempt-exempt (EEE) category: deposits qualify for a Section 80C deduction, the annual interest is tax-free, and the maturity amount is tax-free. The interest rate itself is notified by the government and can change from quarter to quarter, so the projection is an estimate at whatever rate you enter rather than a guaranteed return. This is informational only — confirm current rates, deduction eligibility under your tax regime, and account rules with your bank, post office or a qualified financial adviser.
Add the PPF Calculator widget to your blog or website — free, responsive, no signup. Just keep the “Widget by AltFTool” credit link visible.
<iframe src="https://www.altftool.com/embed/widget/ppf-calculator"
title="PPF Calculator — free AltFTool widget"
width="100%" height="640" style="border:0;border-radius:12px;overflow:hidden"
loading="lazy" referrerpolicy="no-referrer-when-downgrade" allow="clipboard-write"></iframe>
<p style="font-size:12px;margin:4px 0 0">Widget by <a href="https://www.altftool.com/tools/all/ppf-calculator?utm_source=embed&utm_medium=widget" rel="nofollow">AltFTool — free online tools</a></p>