Public Provident Fund (PPF) Calculator
The Public Provident Fund (PPF) is one of the most popular long-term savings options in India. But do you really know how much wealth you can build with it? That’s where a PPF calculator helps you!
Whether you’re starting with ₹500 or going up to ₹1.5 lakh per year, this tool helps you estimate your maturity amount, interest earned, and plan your financial future confidently.
💡 What is a PPF Calculator?
A PPF calculator is an online tool that helps you calculate the total maturity value of your Public Provident Fund based on your annual investments and the current interest rate.
It eliminates guesswork and gives you a clear picture of how much you will receive after 15 years (or more, if extended).
📊 How Does the PPF Calculator Work?
The calculator uses these inputs:
✅ Yearly deposit amount (minimum ₹500, maximum ₹1.5 lakh)
✅ Interest rate (currently 7.1% p.a.)
✅ Tenure (15 years by default, extendable in blocks of 5 years)
Formula in simple words:
Maturity Amount = Total Principal + Accumulated Interest
The calculator compounds interest yearly, following the government’s PPF scheme rules.
💰 Example: How Much Can You Earn?
| Yearly Deposit | After 15 Years Maturity Amount | Total Interest Earned |
|---|---|---|
| ₹50,000 | ₹13.9 lakh | ₹6.4 lakh |
| ₹1,00,000 | ₹27.8 lakh | ₹12.7 lakh |
| ₹1,50,000 | ₹41.6 lakh | ₹19 lakh |
(Approximate values assuming 7.1% interest)
✨ Benefits of Using a PPF Calculator
- Plan effectively: Know exactly how much to invest each year to reach your target.
- Visual clarity: Breaks down interest vs principal.
- Saves time: No manual complex calculations.
- Flexibility: Test different scenarios to optimize your contributions.
📝 Step-by-Step: How to Use the PPF Calculator
1️⃣ Enter your yearly contribution amount.
2️⃣ Input the current PPF interest rate (pre-filled if using online calculators).
3️⃣ Choose the tenure (minimum 15 years).
4️⃣ See your maturity amount and interest.
📝 Step-by-Step: How to Use the PPF Calculator
Yes! A calculator helps you decide whether PPF alone can fulfill your retirement or long-term savings goal, or if you need to combine it with other options like mutual funds or NPS.
🔐 Is Your PPF Maturity Amount Tax-Free?
Absolutely! Both the interest earned and the maturity amount are fully tax-exempt under Section 80C, making PPF an EEE (Exempt-Exempt-Exempt) investment.
💬 Conclusion
A PPF calculator is an essential tool for every Indian saver who wants to take full advantage of this safe, government-backed scheme. By planning smartly today, you can secure a worry-free financial future.
👉 Try our free PPF calculator now and start planning your wealth!
❓ FAQs
What is the maximum amount I can deposit in PPF?
You can deposit up to ₹1.5 lakh per financial year.
Can I invest ₹500 per month in PPF?
Yes! You can start with as low as ₹500 per year, but monthly ₹500 (₹6,000 annually) is also fine.
Is PPF better than FD?
PPF offers tax-free interest and safe, long-term growth. FDs are better for shorter durations but are fully taxable.
Can I extend my PPF account after 15 years?
Yes, you can extend it in blocks of 5 years with or without further contributions.
Is PPF interest rate fixed?
Can I withdraw money from my PPF before 15 years?
Partial withdrawals are allowed from the 7th year onwards under certain conditions.
How is PPF interest calculated?
It is compounded yearly based on the lowest balance between the 5th and the last day of each month.