🔒 PPF Calculator
Calculate PPF maturity amount and interest over the 15-year lock-in period.
Current Rate: 7.1% p.a.
PPF rates are set periodically by the Government of India.
Inputs
₹
%
mo
Results
Maturity Amount
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Total Investment
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Total Interest
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How PPF Formula Works
let balance = 0;
const fullYears = Math.floor(months / 12);
const remainingMonths = months % 12;
for (let y = 1; y <= fullYears; y++) {
balance = (balance + yearlyAmount) * (1 + rate / 100);
}
if (remainingMonths > 0) {
const proratedDeposit = yearlyAmount * (remainingMonths / 12);
balance = (balance + proratedDeposit) * (1 + (rate / 100) * (remainingMonths / 12));
}Partial final-year months are approximated on a prorated basis for smoother month-level estimates.
Balance Over Time
| Period | OpenOpening Balance | DepositYearly Deposit | InterestInterest Earned | CloseClosing Balance |
|---|
FAQs
What is the current PPF interest rate? ⌄
The current PPF interest rate is 7.1% per annum (compounded annually), set by the Government of India.
What is the PPF lock-in period? ⌄
PPF has a mandatory 15-year lock-in. After maturity you can extend in 5-year blocks.
What is the maximum PPF investment per year? ⌄
The maximum yearly PPF investment is ₹1,50,000. The minimum is ₹500 per year.