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A simple calculator for India's Public Provident Fund (PPF). Enter your yearly investment, the interest rate, and the tenure to see your invested amount, total interest earned, maturity value, and a year-by-year breakdown.
Deposits are assumed to be made at the start of each financial year and earn a full year of interest. Interest is compounded annually and credited at year-end:
interest = (openingBalance + deposit) × rate
closingBalance = openingBalance + deposit + interest
PPF rules baked into the defaults:
- Annual cap: ₹1.5 lakh
- Lock-in: 15 years (extendable in 5-year blocks)
- Current rate: 7.1% (government-set, revised quarterly)
Estimates only — actual returns depend on the government's quarterly rate revisions and your exact deposit dates.
Rendering mermaid diagram...
index.ts ← Hono backend (serves frontend)
frontend/
index.html ← HTML shell (Twind + React)
index.tsx ← React entrypoint
components/
App.tsx ← Page layout
Calculator.tsx ← Inputs, summary cards, breakdown table
ppf.ts ← Calculation + INR formatting helpers