PPF Calculator
Calculate returns on Public Provident Fund (PPF).
What is PPF Calculator?
The Public Provident Fund (PPF) is a government-backed long-term savings scheme that offers tax-free returns under Section 80C of the Income Tax Act. A PPF calculator estimates the maturity amount of your annual or monthly contributions.
PPF is one of the most popular tax-saving investments in India because the interest earned and the maturity amount are completely tax-free (EEE status).
How does the PPF Calculator work?
Where A is the maturity amount, P is the annual contribution, r is the annual interest rate (compounded yearly), and n is the tenure in years.
The PPF interest rate is set by the government every quarter. The calculator shows your total contributions, interest earned, and maturity value.
How to use the PPF Calculator?
- Enter the amount you contribute each year (up to ₹1.5 lakh).
- Enter the current PPF interest rate.
- Enter the tenure (minimum 15 years).
- The calculator shows your maturity amount and total interest earned.
Example
Try the calculator with your own numbers
- Enter your values in the input fields above.
- Adjust the values to match your situation.
- The result updates instantly as you change the inputs.
Benefits of using the PPF Calculator
- Save tax up to ₹1.5 lakh per year under Section 80C.
- Earn completely tax-free interest and maturity amount.
- Build a long-term retirement corpus with government backing.
- Use PPF as collateral for loans.
Who should use the PPF Calculator?
- Individuals planning loans, investments, or retirement savings.
- Salaried employees estimating taxes, EMIs, and take-home pay.
- Small business owners tracking costs, margins, and cash flow.
- Students learning personal finance and investment concepts.
Tips for getting the most out of the PPF Calculator
- Use realistic return rates — past performance does not guarantee future returns.
- Re-run the calculation whenever your income, expenses, or goals change.
- Compare a few scenarios (conservative, moderate, aggressive) before making a decision.
Frequently Asked Questions
What is the minimum and maximum PPF deposit?
The minimum annual deposit is ₹500 and the maximum is ₹1.5 lakh per financial year.
Can I withdraw from PPF before maturity?
Partial withdrawals are allowed from the 7th financial year, up to 50% of the balance at the end of the 4th preceding year. Full withdrawal is possible only at maturity (15 years).
Is PPF interest taxable?
No, PPF interest and maturity proceeds are completely tax-free under the EEE (Exempt-Exempt-Exempt) category.
Planning your finances is easier when you can see the numbers clearly. Use this calculator regularly to stay on top of your goals and make informed decisions.
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