PPF Calculator
Estimate long-term PPF growth using your own interest-rate assumption.
Enter your own assumed rate. No current government rate is pre-filled or claimed; confirm any officially notified rate independently.
Estimate PPF growth
This planning tool compounds equal annual contributions using one editable assumed rate.
How to use it
- Enter the annual contribution.
- Enter an assumed annual rate.
- Choose tenure and contribution timing.
- Select Calculate PPF.
Method
Beginning-year method: new balance = (previous balance + contribution) × (1 + rate)
End-year method: new balance = previous balance × (1 + rate) + contribution
Worked example
Assumptions and limitations
Informational estimate only. The rate is an assumption, not a current-rate claim. Actual notified rates, deposit dates, eligibility, limits, extensions, withdrawals and account rules may differ.
This annual model is not a transaction-date PPF calculation. Official PPF interest is notified from time to time and actual interest can depend on deposit timing within the financial year.
Scheme references: India Post — Public Provident Fund Scheme, 2019 and Department of Economic Affairs — Small Savings interest-rate notices. Sources reviewed 28 September 2026.
Frequently asked questions
Is the PPF interest rate fixed for the full tenure?
No. This tool uses one editable assumed rate; notified rates may change.
Why does contribution timing matter?
A start-of-year contribution earns interest for that assumed year, unlike an end-of-year contribution.
Is this an official maturity quote?
No. It is an informational estimate based on simplified assumptions.