PPF Calculator

Estimate the maturity amount of your Public Provident Fund (PPF) investments.

Investment Details

₹ 1,00,000
7.1 %
15 Years

Maturity Amount

₹ 0

Total Investment

₹ 0

Total Interest Earned

₹ 0

Year-wise Growth

Year Opening Balance Deposited Amount Interest Earned Closing Balance

Unlock Your Savings Potential: Calculate Your PPF Returns

Plan your financial future with precision using our intuitive Public Provident Fund (PPF) calculator.

Understanding the Public Provident Fund (PPF)

The Public Provident Fund (PPF) is a popular, long-term savings scheme in India, offering attractive interest rates and tax benefits. It's a government-backed initiative, making it a secure investment option for individuals looking to build a substantial retirement corpus or achieve other long-term financial goals.

With its EEE (Exempt-Exempt-Exempt) tax status – meaning contributions, interest earned, and maturity amount are all tax-exempt – PPF stands out as a highly favored investment vehicle for tax-savvy savers.

How to Use Our PPF Calculator

Our online PPF calculator simplifies the process of estimating your future PPF maturity value and interest earnings. Follow these simple steps to get started:

  • Enter Annual Investment
    Input the amount you plan to invest annually into your PPF account. This can be a fixed sum or varied year-on-year.
  • Specify Investment Tenure
    Select the number of years you intend to invest. The minimum PPF tenure is 15 years, extendable in blocks of 5 years.
  • Current Interest Rate
    The calculator uses the prevailing PPF interest rate. Ensure this is up-to-date for accurate projections.
  • Calculate Your Returns
    Click "Calculate" to instantly view your estimated maturity amount, total investment, and total interest earned.

Why PPF is a Smart Investment Choice

PPF offers a unique blend of safety, returns, and tax benefits, making it an attractive option for diverse financial goals:

Government Backed Security:
As a government-sponsored scheme, PPF provides unparalleled safety and reliability for your invested capital.
Attractive Returns:
PPF typically offers competitive interest rates, which are compounded annually, leading to significant wealth accumulation over the long term.
Triple Tax Benefit (EEE):
Enjoy tax exemption on contributions (under Section 80C), interest earned, and the maturity amount, making it a highly tax-efficient investment.
Long-Term Savings Discipline:
The 15-year lock-in period encourages disciplined, long-term savings habits, crucial for achieving major financial milestones.
Loan and Withdrawal Facilities:
Partial withdrawals and loan facilities are available after certain years, providing liquidity in emergencies without fully breaking the investment.

Frequently Asked Questions About PPF

The minimum annual investment in PPF is INR 500, and the maximum is INR 1.5 lakh. You can deposit in a lump sum or in up to 12 installments in a financial year.

Yes, after the initial 15-year maturity period, you can extend your PPF account in blocks of 5 years, with or without further contributions.

No, the PPF interest rate is not fixed for the entire tenure. It is declared by the government quarterly and is subject to change.

Interest on PPF is calculated monthly on the lowest balance between the 5th and the last day of the month, but it is credited to the account only at the end of the financial year (March 31st).