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Calculate 15-year Public Provident Fund (PPF) maturity wealth, annual interest accrual, block extensions, and 100% tax-free EEE returns.
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Finance & Wealth
Calculate 15-year Public Provident Fund (PPF) maturity wealth, annual interest accrual, block extensions, and 100% tax-free EEE returns.
Enter your annual contribution amount and the calculator projects your PPF balance over the standard 15-year tenure, including compounded interest and applicable tax benefits.
Calculate Public Provident Fund maturity corpus, interest, and EEE tax savings. Yuitility keeps the workflow fast and focused, so you can complete the job without creating an account.
So you can check the result rather than take it on trust.
Balanceᵧ = (Balanceᵧ₋₁ + annual contribution) × (1 + i), repeated for 15 years
₹1,50,000 contributed every year for the full 15-year term, at an assumed 7.1% flat.
Maturity approximately ₹40,68,209 — roughly ₹18,18,209 of it interest.
Interest is credited on the lowest balance between the 5th and the last day of each month, so a contribution made on the 5th of April earns a full year while the same contribution made on the 6th earns eleven months. Over 15 years that timing alone is worth a meaningful sum.
Note on assumptions: Figures used in the worked example above are illustrative planning assumptions, not current official rates. Check the applicable rate for your own situation before relying on the result.
Frequently asked questions about calculation formulas, privacy, and usage.
Interest is compounded annually but calculated monthly based on the lowest balance in your account between the 5th and last day of each month.
Since interest is calculated on the lowest balance between the 5th and month-end, depositing before the 5th ensures that month's contribution earns interest starting that same month, rather than missing out.
No - PPF falls under the EEE (Exempt-Exempt-Exempt) tax category in India, meaning contributions, interest earned, and maturity proceeds are all tax-free, subject to applicable limits.
The maximum contribution allowed in a PPF account is ₹1.5 lakh per financial year.
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Exempt-Exempt-Exempt: Contributions qualify for Sec 80C, interest earned is tax-free, and maturity payout is 100% tax-free.
Total Invested: ₹22,50,000 over 15 yrs
