PPF Calculator – 15-Year Maturity & Interest
Free PPF calculator: project your 15-year maturity at the current 7.1% rate with a year-wise interest table, plus loan, withdrawal & tax rules.
Official PPF rate: 7.1% p.a. — set by the Finance Ministry each quarter, unchanged since Apr 2020 (Jul–Sep 2026).
₹
Invested ₹ · Interest ₹
Term completes around
Extend after 15 years (blocks of 5)
💳 Loan facility · Years 3–6
Borrow up to 25% of the balance two years earlier. In year 3 that's up to
₹
🏦 Partial withdrawal · Year 7+
Take up to 50% of the balance 4 years earlier. In year 7 that's up to
₹
Why you’ll love PPF Calculator – 15-Year Maturity & Interest
Instant & free
No signup, no paywall, no limits — PPF Calculator – 15-Year Maturity & Interest works the moment the page loads.
Completely private
Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
Open it
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Enter your details or start interacting. Everything updates live as you go.
Get your result
Copy, download or share your result in a single tap. That’s it.
About PPF Calculator – 15-Year Maturity & Interest
This PPF calculator projects the maturity value of a Public Provident Fund account entirely in your browser — nothing you type is uploaded or stored. Enter a yearly or monthly deposit (the tool enforces the real ₹500 to ₹1,50,000 per-year limits), and it builds a year-by-year table showing your deposit, the interest credited and the closing balance for all 15 years.
The default rate is the current official PPF rate of 7.1% per annum, set by the Ministry of Finance and reviewed every quarter — it has stayed at 7.1% since April 2020, including the July–September 2026 quarter. Interest is compounded annually. Yearly deposits are assumed at the start of the year (so they earn a full year of interest), while monthly deposits use PPF's actual minimum-monthly-balance method, which is why the same annual amount earns a little less when spread across the year.
Beyond the maturity figure, the calculator flags the rules that make PPF flexible: a loan facility between years 3 and 6 (up to 25% of the balance two years earlier), partial withdrawals from year 7 (up to 50% of the balance four years earlier), and extension in five-year blocks after maturity — either with fresh contributions or as a dormant account that keeps compounding. It also shows the EEE tax treatment: the deposit is deductible under Section 80C, and both the interest and the maturity amount are fully tax-free.
Popular uses
Frequently asked questions
The current PPF rate is 7.1% per annum, compounded yearly. The government reviews small-savings rates every quarter, but PPF has remained at 7.1% since April 2020, and the rate was left unchanged for the July–September 2026 quarter. The calculator uses 7.1% by default, and you can edit the rate box to model a different figure if the rate is revised.
A PPF account requires at least ₹500 in a financial year to stay active and accepts a maximum of ₹1,50,000 per year across all your PPF accounts combined. If you enter more than ₹1.5 lakh, the calculator automatically caps the working figure at ₹1.5 lakh (any excess would not earn interest in a real account), and it warns you when a yearly amount falls below the ₹500 minimum.
PPF interest is calculated on the lowest balance in your account between the 5th and the last day of each month. A single lump sum paid at the start of the year earns interest on the full amount for all twelve months, whereas twelve monthly instalments are only fully invested by the end of the year — so they earn interest on fewer month-units. Paying before the 5th of the month, and ideally the whole amount in early April, maximises your interest.
Yes. Between the 3rd and 6th financial year you can take a loan of up to 25% of the balance at the end of the second year before the loan year. From the 7th year onward you can make one partial withdrawal per year of up to 50% of the balance at the end of the fourth year before, or the preceding year, whichever is lower. The calculator estimates both amounts from your own deposit schedule.
On maturity you can withdraw the full tax-free balance, or extend the account in blocks of five years. You can extend with fresh contributions (you must submit Form H within one year of maturity), or extend without contributions, in which case the balance keeps earning interest and you can withdraw any amount once a year. The tool lets you add +5, +10 or +15 years and toggle contributions to compare the outcomes.
PPF Calculator – 15-Year Maturity & Interest is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
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