PPF & EPF Retirement Calculator
Project your Public Provident Fund (PPF) maturity value or Employees' Provident Fund (EPF) retirement corpus with year-by-year compounding breakdowns, editable interest rates, and India-specific contribution rules.
The PPF & EPF Retirement Calculator is a fast, accurate Calculators utility designed to project your public provident fund (ppf) maturity value or employees' provident fund (epf) retirement corpus with year-by-year compounding breakdowns, editable interest rates, and india-specific contribution rules. entirely in your browser with zero server data storage.
Editable — the government notifies the PPF rate quarterly. Default shown (7.1%) is illustrative only; enter the current published rate.
Total tenure: 15 years
| Year | Contribution (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|
| 1 | 1,50,000 | 10,650 | 1,60,650 |
| 2 | 1,50,000 | 22,056.15 | 3,32,706.15 |
| 3 | 1,50,000 | 34,272.14 | 5,16,978.29 |
| 4 | 1,50,000 | 47,355.46 | 7,14,333.75 |
| 5 | 1,50,000 | 61,367.7 | 9,25,701.44 |
| 6 | 1,50,000 | 76,374.8 | 11,52,076.24 |
| 7 | 1,50,000 | 92,447.41 | 13,94,523.66 |
| 8 | 1,50,000 | 1,09,661.18 | 16,54,184.84 |
| 9 | 1,50,000 | 1,28,097.12 | 19,32,281.96 |
| 10 | 1,50,000 | 1,47,842.02 | 22,30,123.98 |
| 11 | 1,50,000 | 1,68,988.8 | 25,49,112.78 |
| 12 | 1,50,000 | 1,91,637.01 | 28,90,749.79 |
| 13 | 1,50,000 | 2,15,893.23 | 32,56,643.02 |
| 14 | 1,50,000 | 2,41,871.65 | 36,48,514.68 |
| 15 | 1,50,000 | 2,69,694.54 | 40,68,209.22 |
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How to Use PPF & EPF Retirement Calculator
Choose PPF or EPF
Switch between the PPF and EPF tabs depending on which retirement scheme you want to project.
Enter Contribution & Interest Rate
For PPF, set your annual contribution (capped at the statutory limit) and the current PPF interest rate. For EPF, enter your basic salary, contribution percentages, and interest rate — all rates are editable since official rates change periodically.
Review Year-by-Year Breakdown
Inspect the maturity value or retirement corpus summary along with the full year-by-year contribution, interest, and balance table.
Practical Examples & Conversions
Annual Contribution: ₹1,50,000 | Interest Rate: 7.1% | Tenure: 15 Years
Maturity Value: ₹40,68,209 | Total Contribution: ₹22,50,000 | Total Interest: ₹18,18,209
Frequently Asked Questions (PAA)
Related Tools & Converters
Authoritative Standards & Citations
Calculations and algorithms on this page are implemented and verified in strict accordance with the following official technical specifications:
IEEE 754: Standard for Floating-Point Arithmetic
Industry standard for floating-point computation formats, rounding rules, and arithmetic.
Reserve Bank of India (RBI) Lending Guidelines & Amortization Rules
Standardized interest compounding frequency and EMI calculation guidelines.