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PPF Calculator
Calculate your Public Provident Fund maturity amount — see how annual deposits grow over 15 years.
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PPF Calculator
Enter your values below to get an instant, accurate result.
Calculating…
Monthly Payment
$0
Payment Schedule
| Year | Principal | Interest | Balance |
|---|
⚠️ Results are estimates for informational purposes only. Actual figures may vary. Read Disclaimer
How Is PPF Maturity Amount Calculated?
A = P × [(1+r)ⁿ − 1] × (1+r) / r
Variable Definitions
- A
- Maturity amount at end of tenure
- P
- Yearly deposit amount
- r
- Annual interest rate (as a decimal)
- n
- Number of years (minimum 15 for PPF)
💡 PPF interest is compounded annually. Deposits made at the beginning of each financial year earn interest for the full year, maximising returns.
Frequently Asked Questions — Ppf Calculator
A typical monthly mortgage payment consists of four components, often called PITI: Principal (the portion that reduces your loan balance), Interest (the cost of borrowing), property Taxes (collected monthly and held in escrow), and homeowner's Insurance (also held in escrow). Some loans also require Private Mortgage Insurance (PMI) if your down payment is less than 20%.
A larger down payment reduces your loan amount, which lowers both your monthly payment and the total interest you pay over the life of the loan. Additionally, putting down 20% or more eliminates the requirement for Private Mortgage Insurance (PMI), saving you an additional $50–$300 per month on average.
A 15-year mortgage has higher monthly payments but builds equity faster and pays significantly less interest over the life of the loan. A 30-year mortgage has lower monthly payments, making it more affordable month-to-month, but you will pay roughly 2–3× more in total interest. Use our calculator to compare both scenarios with your specific numbers.
Use the APR (Annual Percentage Rate) quoted by your lender, or the current average mortgage rate for your loan type and credit profile. As of 2024, 30-year fixed rates have been between 6.5%–7.5%. Your actual rate will depend on your credit score, down payment, loan type, and lender.