PPF Calculator

PPF Calculator projects a Public Provident Fund balance year by year. A yearly contribution is added, interest is credited on the balance, and the whole thing compounds for the full term. The year-by-year table is the useful part: it shows the interest credit growing until, in the final years, the interest alone exceeds the contribution.

Contribution timing is worth getting right. PPF interest is calculated on the lowest balance between the fifth and the last day of each month, so money paid in early in the year earns interest for the whole year and money paid in at the end earns almost none. The start-of-year option models the good case and is the one to aim for in practice.

The rate is an input rather than a constant because PPF rates are set by the government and reviewed every quarter. A fifteen-year projection at today's rate is therefore an illustration, not a schedule. Running it at a rate a percentage point lower shows how much of the final figure depends on an assumption nobody controls.

This is arithmetic, not financial advice. It tells you what the numbers do; it cannot tell you whether a decision is right for your circumstances. Fees, taxes and local rules vary, so check anything that matters against the actual offer and speak to someone qualified before committing.

Everything is worked out inside your browser. Nothing you enter is uploaded, logged or stored, which matters for the financial calculators in particular: the figures you put into them are nobody else's business.

• Shows maturity amount, total invested, interest earned, money multiple and interest in the last year together, so you are not running it twice
• Full year by year you can open and check
• Updates as you type, with no button to press and no page reload
• Copy the result in one click
• Free, no sign-up, and it runs entirely in your browser

The ppf calculator is used by writers, developers, students, marketers and anyone else who needs the job done once without installing software. Common cases include:

• Projecting a PPF account to maturity
• Comparing start-of-year with end-of-year contributions
• Seeing what extending the term by five years adds
• Comparing PPF with a fixed deposit at the same rate