PPF Calculator
Calculate your PPF maturity amount, total investment, and interest earned based on yearly contributions.
Minimum ₹500 and maximum ₹1,50,000 per financial year
PPF has a lock-in of 15 years and can be extended in blocks of 5 years
PPF Calculator – Public Provident Fund Calculator
A PPF Calculator helps you estimate the maturity amount, total investment, and interest earned from investments made under the Public Provident Fund (PPF) scheme.
PPF is a government-backed long-term savings scheme that offers fixed, risk-free returns along with attractive tax benefits. It is widely used for retirement planning and long-term wealth creation.
What Is a PPF Calculator?
A PPF Calculator is an online tool that calculates the future value of your PPF investment based on yearly contribution, investment tenure, and the applicable interest rate.
- Total amount invested over the contribution period
- Total interest earned
- Estimated PPF maturity amount
This calculator provides indicative results based on prevailing PPF rules and interest assumptions. Actual returns may vary based on government-notified interest rates.
How Does the PPF Calculator Work?
The PPF Calculator estimates returns using the following inputs:
- Annual investment amount
- Investment tenure (minimum 15 years)
- Applicable PPF interest rate
Note: The calculator assumes annual contributions made regularly and does not account for future changes in interest rates.
PPF Calculation Example
Let’s understand how PPF returns are calculated with a simple example.
- Annual Investment: ₹1,50,000
- Investment Period: 15 years
- Interest Rate: 7.1% per annum
Total Amount Invested: ₹22,50,000
Total Interest Earned: ₹18–19 lakh (approx.)
Maturity Amount: ₹40–41 lakh (approx.)
Result: PPF helps build a stable, tax-efficient corpus over the long term with guaranteed returns.
Frequently Asked Questions (FAQs)
What is Public Provident Fund (PPF)?
Public Provident Fund is a government-backed long-term savings scheme that offers fixed returns and tax benefits for individuals.
Who can open a PPF account?
Any Indian resident individual can open a PPF account. Parents or guardians can also open an account on behalf of a minor.
What is the lock-in period of PPF?
PPF has a lock-in period of 15 years, after which the account can be extended in blocks of 5 years.
Is PPF tax-free?
Yes. PPF follows the EEE (Exempt-Exempt-Exempt) tax model where investment, interest, and maturity amount are tax-free under current income tax rules.
What is the minimum and maximum investment in PPF?
The minimum investment is ₹500 per year and the maximum is ₹1.5 lakh per financial year.
Can I withdraw money before maturity?
Partial withdrawals and loans are allowed after a certain period, subject to PPF rules and conditions.
Is the PPF Calculator accurate?
The calculator provides estimated results based on assumed interest rates. Actual returns may vary as interest rates are revised periodically.