PPF calculator
Your PPF balance year by year at 7.1%, with extensions and how much you can borrow or take out each year.
PrivateNo uploadsRuns in your browser₹500 to ₹1.5 lakh in a year.1.5 lakh
Each one adds 5 years after the first 15.
Maturity after 15 years
₹40,68,208
40.68 lakh
- Deposited
- ₹22,50,000
- Interest, tax-free
- ₹18,18,208
- Maturity amount
- ₹40,68,208
- Most loan, years 3 to 6
- ₹1,78,583
Rates as of 13 Nov 2026: PPF 7.1% for Oct to Dec 2026 (Ministry of Finance, 30 Sep 2026).
Year by year
| Year | Interest | Balance | Loan up to | Withdraw up to |
|---|---|---|---|---|
| 1 | 10,650 | 1,60,650 | ||
| 2 | 22,056 | 3,32,706 | ||
| 3 | 34,272 | 5,16,978 | 40,162 | |
| 4 | 47,355 | 7,14,333 | 83,176 | |
| 5 | 61,368 | 9,25,701 | 1,29,244 | |
| 6 | 76,375 | 11,52,076 | 1,78,583 | |
| 7 | 92,447 | 13,94,523 | 2,58,489 | |
| 8 | 1,09,661 | 16,54,184 | 3,57,166 | |
| 9 | 1,28,097 | 19,32,281 | 4,62,850 | |
| 10 | 1,47,842 | 22,30,123 | 5,76,038 | |
| 11 | 1,68,989 | 25,49,112 | 6,97,261 | |
| 12 | 1,91,637 | 28,90,749 | 8,27,092 | |
| 13 | 2,15,893 | 32,56,642 | 9,66,140 | |
| 14 | 2,41,872 | 36,48,514 | 11,15,061 | |
| 15 | 2,69,694 | 40,68,208 | 12,74,556 |
Year 15 is shaded: the account matures at its end. In an extension with deposits you may take out up to 60% of the balance at the start of the block over its 5 years; without deposits, any amount once a year.
How it is calculated
Interest for a year = (balance + deposit made by 5 April) × rate ÷ 100
The bank works out interest each month on the lowest balance between the 5th and the end of the month, and adds the year's interest on 31 March. A deposit made by 5 April is in the account all year, so it earns the full rate. With monthly deposits each part earns only for the months it stays, about 6.5 months on average.
Example: ₹1.5 lakh by 5 April every year at 7.1% for 15 years. Year 1 earns ₹10,650. After 15 years you have put in ₹22.5 lakh and the account holds about ₹40.68 lakh.
Loan in years 3 to 6: up to 25% of the balance at the end of the second year before. Part withdrawal from year 7: up to half of the lower of the balance at the end of the fourth year before and the balance at the end of last year.
How to work out PPF maturity
Enter the yearly deposit
Type what you plan to put in each year, from ₹500 to ₹1.5 lakh, and pick once a year or every month.
Check the rate and years
The current rate is filled in. Add 5-year extensions if you plan to keep the account longer.
Read the growth
See the maturity amount, interest earned, the chart and a table with the loan and withdrawal limits for each year. Download it as PDF or Excel.
Good to know
- Deposit by 5 April each year to earn the most; a deposit on 6 April misses that month's interest.
- Even ₹500 a year keeps the account active. Missing a year costs a small fee to revive it.
- Plan an extension early: the request for an extension with deposits must reach the bank within a year of maturity.
- Every input is kept in the page link, so Copy link shares the exact plan.
- Ctrl+C with nothing selected copies the summary.
Where people use it
Tax-free savings for a child
Plan a yearly deposit that grows into a college fund in 15 years.
Decide on an extension
At year 15, see what 5 more years add with and without deposits.
Need money mid-way?
Check the loan and part withdrawal limit for each year before you ask the bank.
Yearly or monthly deposits
See how much more a single deposit by 5 April earns.
Compare with EPF
Salaried? See what your PF grows to as well.
EPF and PF calculator with EPS pension, year by year
Why this one
It shows what you can borrow or take out in each year, not just the final amount, so you can plan around the account's rules.
- Current rate filled in, with the date it was set.
- Loan and withdrawal limit for every year.
- Extensions in 5-year blocks, with or without deposits.
- Chart, yearly table and PDF or Excel download.
What you can change
- Yearly deposit from 500 to 1.5 lakh
- Once by 5 April or every month
- Interest rate
- Extension blocks
- Number format
People find this page by searching
- ppf calculator
- ppf interest rate
- ppf maturity calculator
- ppf calculator 15 years
- ppf extension calculator
- 1.5 lakh ppf for 15 years
- ppf loan and withdrawal rules
- public provident fund calculator
- ppf calculator monthly deposit
Cite this tool
- APA
sdev.in. (n.d.). PPF calculator with extension, loan and withdrawal [Web tool]. https://www.sdev.in/tools/ppf-calculator
- MLA
"PPF calculator with extension, loan and withdrawal." sdev.in, https://www.sdev.in/tools/ppf-calculator.
- Chicago
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- BibTeX
@misc{sdev-ppf-calculator, title = {PPF calculator with extension, loan and withdrawal}, author = {{sdev.in}}, howpublished = {\url{https://www.sdev.in/tools/ppf-calculator}}, note = {Web tool} }
Questions people ask
What is the PPF interest rate now?
7.1% a year for Oct to Dec 2026. The government sets it every quarter, and it has stayed at 7.1% since April 2020. You can type a different rate to see what changes.
How much can I put in a PPF account?
At least ₹500 and at most ₹1.5 lakh in a financial year, in one go or in parts. Money above ₹1.5 lakh earns no interest and gives no tax benefit.
When should I deposit to earn the most?
Interest for each month is on the lowest balance between the 5th and the month end. A deposit made by 5 April earns interest for the whole year. Monthly deposits made by the 5th earn a little less in total.
What happens after 15 years?
You can take all the money, or extend the account in blocks of 5 years, with or without new deposits. You must ask for an extension with deposits within one year of maturity. Without deposits it keeps earning interest.
Can I take a loan or withdraw early?
A loan is allowed from the 3rd to the 6th year, up to 25% of the balance at the end of the 2nd year before. Part withdrawal is allowed once a year from the 7th year, up to half of the lower of two balances: at the end of the 4th year before, or the year just before. The table shows both limits for each year.
Is PPF tax-free?
In the old tax regime deposits get a deduction up to ₹1.5 lakh a year. Interest and the maturity amount are tax-free in both regimes.