PPF calculator
Yearly deposits split the same annual contribution into 1 payments. The balance chart and schedule remain annual summaries; the annual total does not change.
Assumptions
Full financial-year projection, not an account maturity-date calculation. Annual contribution is split across the selected frequency, deposited before the fifth of the relevant month starting in April. Interest accrues on eligible monthly balances and is credited annually. The ₹1.5 lakh contribution cap is aggregate across applicable accounts; no withdrawals or missed deposits are modelled. Use the actual remaining term; PPF maturity runs from the end of the opening financial year and extensions need election. Rates can change.
Rules: July–September 2026, reviewed 2026-09-11.
Estimates are not personalised financial advice. Review assumptions before use.
Estimated closing balance
Based on your inputs. Not guaranteed. Exact amount: ₹13,56,070.
Deposit timing
Frequency splits the same annual amount. The comparison below keeps the total annual commitment unchanged.View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
Why inspect the annual schedule?
It separates the opening balance, new deposits and interest. The entered interest rate is an assumption over the modelled period.
Detailed results
| Result | Value |
|---|---|
| Estimated closing balance | ₹13.56 lakh |
| Opening balance | ₹0 |
| Future contributions | ₹7.5 lakh |
| Future interest | ₹6.06 lakh |
| Years modelled | 15 years |
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹0 | ₹50,000 | ₹3,550 | ₹53,550 |
| 2 | ₹53,550 | ₹50,000 | ₹7,352 | ₹1.11 lakh |
| 3 | ₹1.11 lakh | ₹50,000 | ₹11,424 | ₹1.72 lakh |
| 4 | ₹1.72 lakh | ₹50,000 | ₹15,785 | ₹2.38 lakh |
| 5 | ₹2.38 lakh | ₹50,000 | ₹20,456 | ₹3.09 lakh |
| 6 | ₹3.09 lakh | ₹50,000 | ₹25,458 | ₹3.84 lakh |
| 7 | ₹3.84 lakh | ₹50,000 | ₹30,816 | ₹4.65 lakh |
| 8 | ₹4.65 lakh | ₹50,000 | ₹36,554 | ₹5.51 lakh |
| 9 | ₹5.51 lakh | ₹50,000 | ₹42,699 | ₹6.44 lakh |
| 10 | ₹6.44 lakh | ₹50,000 | ₹49,281 | ₹7.43 lakh |
| 11 | ₹7.43 lakh | ₹50,000 | ₹56,330 | ₹8.5 lakh |
| 12 | ₹8.5 lakh | ₹50,000 | ₹63,879 | ₹9.64 lakh |
| 13 | ₹9.64 lakh | ₹50,000 | ₹71,964 | ₹10.86 lakh |
| 14 | ₹10.86 lakh | ₹50,000 | ₹80,624 | ₹12.16 lakh |
| 15 | ₹12.16 lakh | ₹50,000 | ₹89,898 | ₹13.56 lakh |