PPF Calculator

Estimate maturity value using contribution pattern, interest rate and yearly projection.

Contribution Inputs

Max eligible contribution used in projection: ₹1,50,000 per year.

PPF Projection Summary

Total Investment
₹22,50,000.00
Estimated Maturity Value
₹39,44,599.22
Estimated Total Interest
₹16,94,599.22
Final Year Contribution Used
₹1,50,000.00

Year-wise Projection

YearOpening BalanceContributionInterestClosing Balance
1₹0.00₹1,50,000.00₹5,768.75₹1,55,768.75
2₹1,55,768.75₹1,50,000.00₹16,828.33₹3,22,597.08
3₹3,22,597.08₹1,50,000.00₹28,673.14₹5,01,270.22
4₹5,01,270.22₹1,50,000.00₹41,358.94₹6,92,629.16
5₹6,92,629.16₹1,50,000.00₹54,945.42₹8,97,574.58
6₹8,97,574.58₹1,50,000.00₹69,496.55₹11,17,071.13
7₹11,17,071.13₹1,50,000.00₹85,080.80₹13,52,151.93
8₹13,52,151.93₹1,50,000.00₹1,01,771.54₹16,03,923.46
9₹16,03,923.46₹1,50,000.00₹1,19,647.32₹18,73,570.78
10₹18,73,570.78₹1,50,000.00₹1,38,792.28₹21,62,363.05
11₹21,62,363.05₹1,50,000.00₹1,59,296.53₹24,71,659.58
12₹24,71,659.58₹1,50,000.00₹1,81,256.58₹28,02,916.16
13₹28,02,916.16₹1,50,000.00₹2,04,775.80₹31,57,691.96
14₹31,57,691.96₹1,50,000.00₹2,29,964.88₹35,37,656.84
15₹35,37,656.84₹1,50,000.00₹2,56,942.39₹39,44,599.22
Methodology, assumptions, and source references
Auto-updated on Feb 24, 2026Data snapshot: Sep 13, 2025

Inputs used

  • Annual contribution, annual interest rate, tenure, contribution mode, and optional annual step-up
  • Contribution cap applied as per current PPF annual limit

Formula basis

  • Monthly accrual approximation with annual interest crediting
  • Year-wise rolling balance: opening + contribution + accrued interest

Assumptions and limits

  • Yearly contribution used for projection is capped at ₹1,50,000
  • Interest rate is assumed constant for the selected tenure
  • This is a planning projection and may differ from official passbook posting logic

Official sources

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