PPF Calculator — Annual, Monthly & Goal Projections
Explore how contributions to a Public Provident Fund account could accumulate across full financial years. Compare an April deposit with monthly deposits, or solve an annual contribution for a target.
PPF interest eligibility depends on the lowest balance after the fifth day of the month. This model starts in April, credits interest at year end and holds your entered rate constant; it does not calculate your account’s legal maturity date.
Plan Your PPF in Four Ways
Enter your own amounts and assumptions. Defaults are editable examples.
Review the assumptions behind the corpus
Choose a scenario to see the starting balance, new contributions and modelled interest or growth.
One annual deposit in April
Annual mode places the selected amount in April of every model year. By-the-fifth timing includes that deposit in April’s eligible balance; after-the-fifth timing first includes it in May.
Equal deposits through the financial year
Monthly mode places one instalment in each April–March month. Later instalments have fewer eligible months in their first financial year. The model does not assume monthly compounding.
Compare the cash timing
Compare Timing uses the same annual total for an April deposit and 12 equal illustrative deposits. The monthly comparison amount can be a fractional allocation; actual deposits must follow permitted increments.
Solve within the annual cap
Goal Deposit works backwards from the target, using annual April deposits and an unchanged rate. The calculated contribution is rounded upwards to ₹50 and must fit the ₹500–₹1,50,000 annual range.
Your PPF projection
Opening balance + new contributions
₹0
New contributions only
₹0
Modelled interest / growth
₹0
Scenario result
₹0
PPF interest eligibility depends on the lowest balance after the fifth day of the month. This model starts in April, credits interest at year end and holds your entered rate constant; it does not calculate your account’s legal maturity date.
PPF contributions and modelled growth
Year-end projection for full April–March years. Monthly balances include accrued interest that is credited only at the model financial-year end. An opening account year or extension eligibility is not assessed.
Green: modelled value · Gold: opening balance plus contributions. Exact figures appear below.
Full model years; monthly values are estimates, not account postings. Closing model values include accrued growth. Amounts are rounded only for display.
Plan deposits around the PPF financial year
Use the mode that matches the question you want to answer.
One annual deposit in April
Annual mode places the selected amount in April of every model year. By-the-fifth timing includes that deposit in April’s eligible balance; after-the-fifth timing first includes it in May.
Equal deposits through the financial year
Monthly mode places one instalment in each April–March month. Later instalments have fewer eligible months in their first financial year. The model does not assume monthly compounding.
Compare the cash timing
Compare Timing uses the same annual total for an April deposit and 12 equal illustrative deposits. The monthly comparison amount can be a fractional allocation; actual deposits must follow permitted increments.
Solve within the annual cap
Goal Deposit works backwards from the target, using annual April deposits and an unchanged rate. The calculated contribution is rounded upwards to ₹50 and must fit the ₹500–₹1,50,000 annual range.
PPF calculation method and boundaries
The arithmetic follows the assumptions below; it does not verify your account or future scheme terms.
Monthly eligibility, annual credit
For each month, model interest = eligible balance × annual rate / 1200. The current contribution enters eligibility only when credited by the fifth. Accrued interest is added to the ledger in March; it does not earn interest earlier in that financial year.
The starting point matters
The opening balance is assumed to exist before April. Its earlier contributions and interest are not reconstructed. All rows are financial-year model periods, rather than transactions fetched from an account.
Maturity is a separate scheme rule
PPF closure at maturity follows 15 years from the end of the financial year in which the account was opened. Contribution-based extensions are in five-year blocks under the scheme. The horizon selector is a projection length and does not verify either condition.
Do not extrapolate a current rate as a promise
The entered rate applies to every model month. Actual notified rates can change. This tool does not calculate tax deductions, account-specific withdrawals, loans, early closure or discontinued-account charges.
Before acting on a PPF projection
Compare the scenario with the official record and the rules that apply to you.
Confirm the financial-year stage
Check the account opening year, whether it is active, and the provider’s maturity or extension record. An existing opening balance can be projected, but the tool does not verify the account status.
Choose the actual deposit dates
Check when funds will be credited, not merely when you initiate payment. The model distinguishes by-the-fifth and after-the-fifth timing for each month.
Review the contribution limit
Confirm annual deposits across the applicable accounts with your provider. This tool validates only the plan entered here; it does not track other payments or minor-account deposits.
Retain the account record
Use the bank or post office statement to reconcile deposits and annual interest. The schedule is an estimate under your rate assumption, not a substitute for that statement.
Honest by Design
The useful part of a projection is knowing exactly what it includes.
What this tool does
- One annual deposit in April: Annual mode places the selected amount in April of every model year. By-the-fifth timing includes that deposit in April’s eligible balance; after-the-fifth timing first includes it in May.
- Equal deposits through the financial year: Monthly mode places one instalment in each April–March month. Later instalments have fewer eligible months in their first financial year. The model does not assume monthly compounding.
- Compare the cash timing: Compare Timing uses the same annual total for an April deposit and 12 equal illustrative deposits. The monthly comparison amount can be a fractional allocation; actual deposits must follow permitted increments.
- Solve within the annual cap: Goal Deposit works backwards from the target, using annual April deposits and an unchanged rate. The calculated contribution is rounded upwards to ₹50 and must fit the ₹500–₹1,50,000 annual range.
What this tool does not do
- Verify your opening financial year, maturity date, extension eligibility or account status.
- Track other deposits, minor-account contributions, withdrawals or PPF loans.
- Fetch notified quarterly rates or promise that one rate will continue.
- Connect to accounts, verify identity or submit applications.
- Calculate final tax liability or guarantee the projected corpus.
Data and model assumptions
- Year-end projection for full April–March years. Monthly balances include accrued interest that is credited only at the model financial-year end. An opening account year or extension eligibility is not assessed.
- The opening balance is a starting base, including any historical growth already inside it.
- The fragment calculates in your browser without sending or storing inputs. The wider site may use analytics; fonts load from Google.
- Input and result caps are numerical safeguards, not product terms or financial advice.
Official reference: Public Provident Fund Scheme, 2019. Check the provisions applicable to your account; this projection does not replace the official record.
PPF calculator questions
Read the assumptions before comparing the output with an account statement.
Contributions and projection
Is the default rate current?
No current-quarter rate is asserted. The default is an editable example; check the latest official notification for the relevant quarter.
Does PPF compound monthly?
This model accrues interest monthly on the eligible balance and credits it at the financial-year end. Accrued interest does not itself earn interest before that credit.
Does 15 projection years give my maturity date?
No. Legal maturity depends on the opening financial year and scheme rules. This model uses full April–March years and does not ask for an account opening date.
Limits and interpretation
What if the goal needs more than the annual cap?
The tool returns an error rather than suggesting an annual deposit above ₹1,50,000. You can change the target, horizon or rate assumption; the rate is not guaranteed.
Are extensions and withdrawals included?
No. Eligibility, extension applications, partial withdrawals, loans and early closure are outside the projection.
Is the comparison monthly amount a deposit instruction?
No. Compare Timing splits the same annual total into 12 mathematical instalments. Check permitted deposit increments and actual annual limits with the provider.
Review your PPF scenario with its assumptions
Calculate with your own numbers, then check the account record and applicable terms.