| Year | Deposited | Interest Accrued | Closing Balance |
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Calculate your Public Provident Fund (PPF) returns with our free PPF Calculator. Model 15-year tax-free wealth growth, annual deposit step-ups, and inflation-adjusted purchasing power with a year-by-year compounding schedule and 100% offline privacy.
Set your annual PPF deposit amount (up to ₹1.5 Lakhs) and investment duration (15 to 50 years).
Adjust interest rate %, annual deposit step-up %, and expected inflation rate %.
Instantly review total maturity wealth ₹, tax-free interest earned ₹, and expandable year-by-year compounding schedule.
Your financial figures are processed entirely inside your browser using client-side JavaScript. Nothing ever travels over a network to any server — making BunchTool 100% private.
Calculations run locally in real time as you move sliders or type values. Maturity values and compounding tables update instantly without page reloads.
Expandable table detailing yearly deposits, annual interest accrued, and ending balances over your entire investment tenure.
Public Provident Fund (PPF) is a government-backed long-term savings scheme in India designed to provide tax-free retirement security under an EEE classification.
The annual compounding equation for PPF is:
\(\text{Yearly Interest} = (\text{Opening Balance} + \text{Yearly Deposit}) \times \left(\frac{\text{Interest Rate}}{100}\right)\)
\(\text{Closing Balance} = \text{Opening Balance} + \text{Yearly Deposit} + \text{Interest Accrued}\)
\(\text{Real Purchasing Power} = \frac{\text{Maturity Wealth}}{\left(1 + \frac{\text{Inflation}}{100}\right)^{\text{Years}}}\)
To maximize interest earnings, deposit contributions on or before the 5th of the month. Interest is calculated on the minimum balance between the 5th and the end of each month.