A PPF Calculator helps you estimate the maturity amount and interest earned on your Public Provident Fund investment based on annual deposits and interest rates.

It calculates compound interest annually over the 15-year lock-in period using the deposit amount, government-set interest rate, and contribution frequency.

PPF uses compound interest calculated annually. The formula varies slightly because interest is added at the end of each financial year based on monthly balances.

As of now, the government of India sets the PPF interest rate quarterly. You should check the latest rate before using the calculator. (e.g., 7.1% p.a.)

Yes, after 15 years, PPF can be extended in 5-year blocks with or without fresh deposits. Some calculators allow projections beyond 15 years as well.

No, the basic PPF calculator assumes no withdrawals or loans. For exact planning, consult with your bank or post office where the account is held.

Yes, most calculators let you choose annual, monthly, or lump-sum contributions to show accurate maturity and interest estimates based on your saving style.

Yes, it is 100% free, simple to use, and does not require any login or registration. You can use it anytime to plan your long-term savings.