Free PPF Calculator – Calculate Your Public Provident Fund Returns
Our PPF Calculator helps you estimate your maturity amount, yearly interest, and total investment under the Public Provident Fund (PPF) scheme. Whether you are planning long-term savings, tax benefits, or retirement funds, this free tool gives you accurate results in seconds.
Just enter your annual or monthly PPF contribution, investment period, and the latest PPF interest rate to see how much wealth you can build over time. The calculator also displays a year-by-year breakdown of principal and interest growth.
Key Benefits of Using a PPF Calculator
- Plan Long-Term Savings: Estimate the exact maturity amount after 15 years or more.
- Tax Savings: Calculate returns while enjoying Section 80C tax benefits.
- Visual Growth Tracking: See yearly progress of your principal + interest through an interactive chart.
- Flexible Contributions: Compare results for monthly vs yearly deposits.
- Retirement Planning: Forecast your wealth accumulation for financial security.
How the Public Provident Fund Calculator Works
The PPF maturity calculator uses the formula based on compound interest (compounded yearly). It considers:
- Deposit Amount: Monthly or annual contribution up to ₹1.5 lakh per year.
- PPF Interest Rate: Government of India updates rates quarterly.
- Investment Duration: Minimum lock-in of 15 years, extendable in 5-year blocks.
- Tax Benefits: Exempt-Exempt-Exempt (EEE) category – principal, interest, and maturity are tax-free.
Using these inputs, our tool instantly calculates your maturity value, total deposits, and interest earned with complete accuracy.
Why Use Our Online PPF Calculator?
- Accurate Returns: Based on the latest government-declared PPF interest rates.
- Yearly Growth Chart: Track how your savings grow with compound interest.
- Investment Comparison: Check outcomes for different deposit amounts and durations.
- Easy & Free: 100% free calculator – no signup required.
Tips to Maximize Your PPF Returns
- Invest Early: Start contributions at the beginning of the financial year to earn maximum interest.
- Deposit Before 5th of Month: Ensures monthly contribution earns full month’s interest.
- Stay Consistent: Contribute regularly to build a larger maturity corpus.
- Extend Beyond 15 Years: Continue investment in 5-year blocks for greater returns.
FAQs About PPF Calculator
1. What is the maximum limit for PPF investment?
You can invest up to ₹1.5 lakh per year under PPF.
2. Is the PPF interest rate fixed?
No, the government updates the rate every quarter. The calculator uses the latest available rate.
3. Can I extend my PPF account beyond 15 years?
Yes, you can extend it in blocks of 5 years with or without additional contributions.
4. Are PPF returns taxable?
No, PPF is under the EEE (Exempt-Exempt-Exempt) category – principal, interest, and maturity are all tax-free.
5. Can NRIs invest in PPF?
No, NRIs are not eligible to open a new PPF account.
Tip: Bookmark this free PPF Calculator to quickly plan your tax savings and long-term wealth creation anytime.