PPF Calculator (Public Provident Fund)
PPF Calculator Online – Calculate Maturity & Interest with Ease
Looking to plan your long-term savings and secure tax-free returns? The Public Provident Fund (PPF) is a government-backed savings scheme in India that offers guaranteed returns and tax benefits. With our free online PPF Calculator, you can easily calculate the maturity amount, total interest earned, and visualize your financial growth over time.
What is a PPF Calculator?
A PPF Calculator is a simple tool that helps you estimate how much your PPF investments will grow based on yearly contributions, interest rate, and investment duration. It considers annual compounding to give an accurate projection of your returns.
Key Features of Our PPF Calculator
- ✔️ Input yearly investment amount (₹500 to ₹1.5 lakh)
- ✔️ Select investment duration (15 to 50 years)
- ✔️ Custom interest rate input (default 7.1%)
- ✔️ Instant results: maturity amount, total interest, and investment
- ✔️ Visual bar graph showing year-wise growth
- ✔️ Fully mobile responsive & Blogger compatible
How is PPF Interest Calculated?
PPF interest is compounded annually. The formula used to calculate the maturity amount is:
A = P × (1 + r)n
- P = Annual investment
- r = Interest rate per annum (e.g., 7.1% = 0.071)
- n = Number of years
Since contributions are made every year, the calculator computes interest for each deposit separately and adds them up.
Why Use a PPF Calculator?
- 📈 Helps visualize year-wise growth
- 📊 Shows total tax-free interest earned
- 💡 Aids in goal-based financial planning
- 📅 Easy to tweak inputs and compare scenarios
Who Should Use This Calculator?
- 👨💼 Salaried professionals looking for secure tax-saving options
- 👩👧 Parents saving for children's future (education/marriage)
- 👨🔧 Self-employed individuals wanting safe investment avenues
- 🧑🎓 Young investors starting their long-term savings journey
Tax Benefits of PPF
PPF falls under the EEE (Exempt-Exempt-Exempt) category in India. That means:
- Your yearly investment (up to ₹1.5 lakh) qualifies for tax deduction under Section 80C
- Interest earned is tax-free
- Maturity amount is also completely tax-free
Real-Life Example
- Total Investment: ₹22,50,000
- Total Interest Earned: ₹18,18,209
- Maturity Amount: ₹40,68,209
This is a simple way to build long-term wealth with zero risk and full tax exemption.
PPF Calculator Use Cases
- ✔️ Planning child’s education/marriage
- ✔️ Retirement savings
- ✔️ Building a long-term emergency fund
- ✔️ Diversifying investment portfolio with a risk-free product
FAQs – Frequently Asked Questions
1. Is the PPF interest rate fixed?
No. The Government of India revises the PPF interest rate every quarter. As of 2025, it stands at 7.1% per annum.
2. What is the minimum and maximum I can invest?
You can invest a minimum of ₹500 and a maximum of ₹1.5 lakh per financial year in your PPF account.
3. Is PPF a good investment?
Yes, it’s one of the best risk-free, long-term investment options with tax benefits and government security.
4. Can I extend my PPF beyond 15 years?
Yes. After the initial 15-year lock-in, you can extend it in blocks of 5 years indefinitely.
5. Is PPF interest compounded monthly?
No. PPF interest is compounded yearly but calculated monthly and credited at the end of each financial year.
Conclusion
The PPF Calculator is your go-to tool for estimating how much your investment will grow tax-free over time. It’s especially useful for long-term planning, whether you’re saving for retirement, education, or simply looking for a secure financial future. Use our free calculator today and take control of your investments with confidence.
Disclaimer: This calculator is a planning tool. Actual returns may vary based on official interest rate changes. Always consult a financial advisor for personalized advice.
