Estimate Public Provident Fund (PPF) maturity amount with tax-free returns. Model deposit frequency, deposit timing, and view year-wise balance growth instantly.
The chart shows year-end balance over time based on your deposit pattern and interest rate.
Set your yearly contribution, tenure, and interest rate. Choose deposit frequency and timing to model realistic outcomes.
Select INR, USD, or GBP from the header menu to view all amounts in your preferred currency format.
Set your yearly contribution amount and the number of years you plan to invest.
Enter the annual interest rate and choose deposit frequency and timing (start/end).
Review maturity value, total deposits, interest earned, and year-wise balance growth with the chart.
Public Provident Fund (PPF) is a long-term savings scheme in several countries (notably popular in India) designed to encourage disciplined investing with government-backed stability. Many PPF variants offer tax advantages and fixed/declared interest rates that compound over time.
This calculator estimates growth by simulating contributions and compounding interest over time. It treats your annual contribution as split into monthly/quarterly/yearly deposits depending on the frequency you choose, then compounds interest at an equivalent periodic rate. Deposit timing (start/end of period) affects how long each contribution earns interest within that period.
For each period, the balance evolves as: Balance = (Balance + Contribution) × (1 + rp) (start-of-period), or Balance = (Balance × (1 + rp)) + Contribution (end-of-period), where rp is the periodic interest rate derived from the annual rate.
Estimate how much your contributions could accumulate by a target year for education, retirement, or major purchases.
Compare monthly vs yearly contribution patterns and start vs end timing to understand trade-offs.
See how interest accelerates over the years using a year-end balance chart and year-wise breakdown.
Use PPF estimates as part of a low-volatility bucket in your long-term financial plan.
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