PPF Investment Calculator
Calculate what Rs. 1.5 lakh yearly PPF deposits from age 25 can grow to by age 40, 50, and 60, with editable interest rate, deposit timing, and target-age assumptions.
Last Updated: May 2026
PPF investment inputs
How much can PPF grow?
Default: Rs. 1.5 lakh invested every year from age 25, using the current 7.1% PPF rate assumption and yearly deposits made early enough to earn full-year interest.
The default scenario starts investing at age 25.
Use 0 for a fresh PPF account.
The statutory annual deposit cap is Rs. 1,50,000.
Keep Rs. 1.5 lakh unless the official limit changes.
Applied yearly but capped at the annual PPF limit.
Default uses the current official PPF rate assumption.
PPF interest is based on eligible monthly balance and credited yearly.
Balance by age 40
₹40,68,209
Balance by age 60
₹2,26,97,857
New deposits
₹52,50,000
Interest earned
₹1,74,47,857
PPF growth path
Year-end balance after annual PPF interest credit.
Assumption check
- Interest rate
- 7.1%
- Deposit timing
- Yearly deposit before the 5th of the first month
- Normal maturity age
- Age 40
- Extension needed?
- Yes, use 5-year extension blocks
Age milestone breakdown
| Target age | Years invested | Deposits + starting balance | Interest earned | Projected balance | Crore view |
|---|---|---|---|---|---|
| Age 40 | 15 years | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 | 0.41 crore |
| Age 50 | 25 years | ₹37,50,000 | ₹65,58,015 | ₹1,03,08,015 | 1.03 crore |
| Age 60 | 35 years | ₹52,50,000 | ₹1,74,47,857 | ₹2,26,97,857 | 2.27 crore |
Year-by-year PPF schedule
| Year | Age range | Deposit | Interest credited | Cumulative deposits | Ending balance |
|---|---|---|---|---|---|
| Year 1 | Age 25-26 | ₹1,50,000 | ₹10,650 | ₹1,50,000 | ₹1,60,650 |
| Year 2 | Age 26-27 | ₹1,50,000 | ₹22,056 | ₹3,00,000 | ₹3,32,706 |
| Year 3 | Age 27-28 | ₹1,50,000 | ₹34,272 | ₹4,50,000 | ₹5,16,978 |
| Year 4 | Age 28-29 | ₹1,50,000 | ₹47,355 | ₹6,00,000 | ₹7,14,334 |
| Year 5 | Age 29-30 | ₹1,50,000 | ₹61,368 | ₹7,50,000 | ₹9,25,701 |
| Year 6 | Age 30-31 | ₹1,50,000 | ₹76,375 | ₹9,00,000 | ₹11,52,076 |
| Year 7 | Age 31-32 | ₹1,50,000 | ₹92,447 | ₹10,50,000 | ₹13,94,524 |
| Year 8 | Age 32-33 | ₹1,50,000 | ₹1,09,661 | ₹12,00,000 | ₹16,54,185 |
| Year 9 | Age 33-34 | ₹1,50,000 | ₹1,28,097 | ₹13,50,000 | ₹19,32,282 |
| Year 10 | Age 34-35 | ₹1,50,000 | ₹1,47,842 | ₹15,00,000 | ₹22,30,124 |
| Year 11 | Age 35-36 | ₹1,50,000 | ₹1,68,989 | ₹16,50,000 | ₹25,49,113 |
| Year 12 | Age 36-37 | ₹1,50,000 | ₹1,91,637 | ₹18,00,000 | ₹28,90,750 |
| Year 13 | Age 37-38 | ₹1,50,000 | ₹2,15,893 | ₹19,50,000 | ₹32,56,643 |
| Year 14 | Age 38-39 | ₹1,50,000 | ₹2,41,872 | ₹21,00,000 | ₹36,48,515 |
| Year 15 | Age 39-40 | ₹1,50,000 | ₹2,69,695 | ₹22,50,000 | ₹40,68,209 |
| Year 16 | Age 40-41 | ₹1,50,000 | ₹2,99,493 | ₹24,00,000 | ₹45,17,702 |
| Year 17 | Age 41-42 | ₹1,50,000 | ₹3,31,407 | ₹25,50,000 | ₹49,99,109 |
| Year 18 | Age 42-43 | ₹1,50,000 | ₹3,65,587 | ₹27,00,000 | ₹55,14,696 |
| Year 19 | Age 43-44 | ₹1,50,000 | ₹4,02,193 | ₹28,50,000 | ₹60,66,889 |
| Year 20 | Age 44-45 | ₹1,50,000 | ₹4,41,399 | ₹30,00,000 | ₹66,58,288 |
| Year 21 | Age 45-46 | ₹1,50,000 | ₹4,83,388 | ₹31,50,000 | ₹72,91,677 |
| Year 22 | Age 46-47 | ₹1,50,000 | ₹5,28,359 | ₹33,00,000 | ₹79,70,036 |
| Year 23 | Age 47-48 | ₹1,50,000 | ₹5,76,523 | ₹34,50,000 | ₹86,96,558 |
| Year 24 | Age 48-49 | ₹1,50,000 | ₹6,28,106 | ₹36,00,000 | ₹94,74,664 |
| Year 25 | Age 49-50 | ₹1,50,000 | ₹6,83,351 | ₹37,50,000 | ₹1,03,08,015 |
| Year 26 | Age 50-51 | ₹1,50,000 | ₹7,42,519 | ₹39,00,000 | ₹1,12,00,534 |
| Year 27 | Age 51-52 | ₹1,50,000 | ₹8,05,888 | ₹40,50,000 | ₹1,21,56,422 |
| Year 28 | Age 52-53 | ₹1,50,000 | ₹8,73,756 | ₹42,00,000 | ₹1,31,80,178 |
| Year 29 | Age 53-54 | ₹1,50,000 | ₹9,46,443 | ₹43,50,000 | ₹1,42,76,621 |
| Year 30 | Age 54-55 | ₹1,50,000 | ₹10,24,290 | ₹45,00,000 | ₹1,54,50,911 |
| Year 31 | Age 55-56 | ₹1,50,000 | ₹11,07,665 | ₹46,50,000 | ₹1,67,08,575 |
| Year 32 | Age 56-57 | ₹1,50,000 | ₹11,96,959 | ₹48,00,000 | ₹1,80,55,534 |
| Year 33 | Age 57-58 | ₹1,50,000 | ₹12,92,593 | ₹49,50,000 | ₹1,94,98,127 |
| Year 34 | Age 58-59 | ₹1,50,000 | ₹13,95,017 | ₹51,00,000 | ₹2,10,43,144 |
| Year 35 | Age 59-60 | ₹1,50,000 | ₹15,04,713 | ₹52,50,000 | ₹2,26,97,857 |
Important Disclaimer
PPF rates, limits, tax rules, and extension procedures can change by official notification. This calculator is an educational projection, not investment, tax, or legal advice.
Reviewed For Methodology, Labels, And Sources
Every CalculatorWallah calculator is published with visible update labeling, linked source references, and review of formula clarity on trust-sensitive topics. Use results as planning support, then verify institution-, policy-, or jurisdiction-specific rules where they apply.
Reviewed by Laxman Kumawat, Finance & Engineering Calculator Owner. Page updated May 2026. Finance and engineering calculators are reviewed when formulas, rate assumptions, or technical references change, and during broader category refreshes. Topic ownership: Financial calculators, Engineering calculators, Electrical and HVAC planning calculators, Investment, salary, loan, and technical design-estimate workflows.
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This page provides educational estimates, not individualized financial advice, lending advice, investment advice, or a product recommendation.
Source expectation: Review should cite official lender, regulator, tax, or standards-body sources when the calculator depends on external rules.
How to Use This Calculator
Keep the default inputs to answer the headline question: Rs. 1.5 lakh per year from age 25, at 7.1% annual interest, checked at ages 40, 50, and 60. The quick-answer panel shows the three milestone balances immediately.
Change deposit timing if your real contribution pattern is different. PPF rewards early deposits because interest is calculated from eligible monthly balances and credited annually.
Step 1: Enter the starting age and balance
Use age 25 and a zero balance for a new-account example, or enter your real PPF balance and current age.
Step 2: Set the yearly deposit
The default Rs. 1.5 lakh yearly deposit matches the current PPF annual contribution ceiling.
Step 3: Review the interest rate
The default uses the current 7.1% PPF rate assumption, but you can change it for future-rate scenarios.
Step 4: Choose deposit timing
Use yearly before the 5th for the usual max-interest lump-sum assumption, or test monthly and late-deposit timing.
Step 5: Read target-age milestones
The calculator shows balances by age 40, 50, and 60 by default, plus a full year-by-year schedule.
How This Calculator Works
The calculator simulates PPF month by month. It applies your selected deposit timing, calculates monthly interest on the eligible balance, then credits the year’s interest at year end. This mirrors the important planning behavior better than a single annualized shortcut.
| Formula | Expression | Why it matters |
|---|---|---|
| Annual contribution cap | \(\text{Deposit}_y=\min(\text{planned deposit}_y,\text{PPF annual limit})\) | Keeps yearly deposits inside the selected PPF limit. |
| Monthly interest accrual | \(\text{Monthly interest}=\text{eligible monthly balance}\times\frac{r}{12}\) | Models PPF interest eligibility month by month. |
| Annual interest credit | \(\text{Year-end balance}=\text{balance before credit}+\sum\text{monthly interest}\) | PPF interest is credited to the account at the end of the year. |
| Recurring yearly deposit shortcut | \(FV=P\times\frac{(1+r)^n-1}{r}\times(1+r)\) | Approximates equal deposits made at the start of each year. |
For the default example, the age 40 result is the normal 15-year PPF maturity point. Ages 50 and 60 assume that the account is extended in five-year blocks with continued deposits.
PPF Growth, Maturity, Deposit Timing, and Examples
Quick Example: Rs. 1.5 Lakh Yearly From Age 25
Using the default rate and early yearly deposits, the projection shows how the same disciplined PPF contribution compounds across 15, 25, and 35 years.
| Target age | Investment period | Total deposits | Interest earned | Projected PPF value |
|---|---|---|---|---|
| Age 40 | 15 yearly deposits | Rs. 22.50 lakh | About Rs. 18.18 lakh | About Rs. 40.68 lakh |
| Age 50 | 25 yearly deposits | Rs. 37.50 lakh | About Rs. 65.58 lakh | About Rs. 1.03 crore |
| Age 60 | 35 yearly deposits | Rs. 52.50 lakh | About Rs. 1.75 crore | About Rs. 2.27 crore |
Why Deposit Timing Matters
The PPF scheme rules state that the eligible balance for interest is based on the lowest balance between the close of the fifth day and the end of the month, with interest credited at year end. That is why a lump-sum deposit early in the year can beat the same amount deposited late.
| Timing option | Effect on result | Best use |
|---|---|---|
| Yearly before the 5th | Highest result for one annual deposit because the deposit earns for the full year. | Use when planning to deposit the lump sum early in the financial year. |
| Monthly before the 5th | Spreads cash flow across the year while each monthly deposit earns for that month. | Use when investing from salary month by month. |
| Monthly after the 5th | Each monthly deposit generally starts earning from the next month in the simplified model. | Use as a conservative monthly timing case. |
| Yearly near year end | Lowest result for a yearly deposit because it misses most of that year’s interest. | Use to see the cost of waiting until March. |
PPF Maturity and Extension Blocks
The National Savings Institute notes that a PPF account matures after fifteen complete financial years from the end of the opening year. After maturity, the account can be extended in five-year blocks with deposits. That makes long views like age 50 and age 60 possible, but they are extension scenarios rather than a single original 35-year lock-in.
If you only want the first maturity amount, focus on the age 40 result in the default age-25 scenario. For retirement planning, use the age 50 and age 60 columns to understand how much additional compounding can add if you keep the account active.
PPF vs EPF and Other Savings Calculators
PPF is voluntary and capped per financial year. EPF is salary-linked and may include employer contributions and EPS pension diversion. For payroll-linked provident fund planning, use the India EPF Calculator. For generic monthly deposits without PPF limits, use the Compound Interest Calculator.
Keep the research moving with India EPF Calculator, Compound Interest Calculator, Savings Calculator, and Pension Calculator.
Frequently Asked Questions
Related Calculators
India EPF Calculator
Compare PPF with salary-linked EPF, VPF, employer PF, and EPS pension split.
Use India EPF CalculatorCompound Interest Calculator
Run the generic compound-interest version of recurring savings growth.
Use Compound Interest CalculatorSavings Calculator
Model savings goals, monthly deposits, and goal gaps outside PPF rules.
Use Savings CalculatorPension Calculator
Convert long-term retirement savings into retirement income and gap estimates.
Use Pension CalculatorSources & References
- 1.Department of Economic Affairs - Small Savings Schemes interest rate circular(Accessed May 2026)
- 2.National Savings Institute - Public Provident Fund Account(Accessed May 2026)
- 3.National Savings Institute - Public Provident Fund Scheme Rules, 2019(Accessed May 2026)