Educational planning calculator
What could it take to build your PPF goal?
Set your assumptions, compare starting ages, and inspect every projected year. Defaults are illustrative and editable; rates and rules can change.
Required starting contribution
Rs 0 per month
Rs 0 daily / Rs 0 annually
On target
Same target and assumptions
Starting-age comparison
Nominal versus real value
See compounding year by year
Nominal balance
Real balance
Open transparent year-by-year table
| Age | Opening | Contribution | Interest | Closing | Real value |
|---|
Assumption stress test
Sensitivity matrix
Each cell shows the starting monthly amount required when the assumed rate and target shift. It is a scenario comparison, not a forecast.
Browser-only comparisons
Saved scenarios
Save a plan to compare it here. Your data never leaves this browser.
How the estimate works
Transparent math, explicit limits
The calculator solves for the first year's contribution using a year-by-year simulation and binary search. Contributions can grow annually, while the selected timing controls how much of each year's contribution receives interest.
Project cash flows
Each annual contribution is derived from the starting amount and your annual growth assumption.
Apply timing
Start-of-year deposits receive a full year of assumed growth; spread deposits receive half; end-of-year deposits receive none that year.
Solve the target
The tool repeats the projection until the final balance closely matches the selected corpus.
closing balance = opening balance x (1 + rate) + contribution x timing factor
Timing factor shown for the selected assumption.
Maturity and extension context
PPF accounts are commonly described with a standard 15-financial-year term and possible five-year extension blocks, subject to the rules in force. In this calculator, "extension years" simply lengthens the mathematical contribution horizon by the chosen five-year blocks. It does not determine whether a specific account is eligible to extend, whether deposits remain permitted, or how a real account's maturity date is calculated.
Important context
Verify current PPF terms before acting
PPF interest rates, eligibility, annual limits, deposit rules, maturity treatment, and extension rules can change. The default rate and cap on this page are editable illustrative assumptions, not guaranteed current terms.
Confirm the latest rules and rate through official Government of India, National Savings Institute, or India Post sources. This tool is educational and does not provide personalized investment, tax, or financial advice.