PPF Calculator
Public Provident Fund projection with editable rate and contribution timing
Key Features & Calculation Guidance
Key features: Editable Rate, 15-Year Term, Contribution Timing. Free, 100% browser-based — no login required.
Frequently Asked Questions
Is the PPF interest rate fixed for 15 years?
No. PPF is a government small-savings scheme and the applicable rate can be revised. BankTools defaults to the current notified rate but provides an editable rate slider to test scenario projections.
How much can I contribute to PPF?
The calculator uses the scheme's ₹500 minimum annual contribution and ₹1,50,000 maximum annual contribution range.
Can I continue PPF after the initial 15-year term?
Yes, the scheme provides for continuation after maturity. This calculator models longer projections in 5-year blocks, but you should check the current scheme procedure when your account reaches maturity.
Does deposit timing affect PPF interest?
Yes. PPF interest calculation depends on the balance considered under the scheme's monthly interest rules. This calculator simplifies that timing by treating the annual contribution as earning a full year's interest.
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