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PPF Calculator

PPF Calculator

Public Provident Fund - Calculate maturity amount, interest earned & tax savings

PPF Scheme Highlights
Current Rate
7.1% p.a.
Government set, compounded annually
Lock-in Period
15 Years
Minimum tenure
Min Investment
₹500/year
To keep account active
Max Investment
₹1,50,000/year
Per financial year
Tax Benefit
Section 80C
EEE status (Exempt-Exempt-Exempt)

PPF enjoys triple tax exemption: your investment is tax-deductible under Section 80C, the interest earned is tax-free, and the maturity amount is fully exempt from income tax.

Quick Presets
₹500/month (₹6,000/yr)
₹1,000/month (₹12,000/yr)
₹5,000/month (₹60,000/yr)
₹12,500/month (₹1,50,000/yr - Max)
Investment Details
Yearly Investment
₹500₹1,50,000
Investment Tenure
Years
15 Yrs50 Yrs
Interest Rate (per annum)
%
1%15%
Existing PPF Balance
₹0₹50,00,000
Maturity Amount
-
total at maturity
Total Invested
-
your contributions
Interest Earned
-
tax-free earnings
Wealth Multiple
-
times your investment
Tax Saved (80C)
-
at 30% tax bracket
Monthly Equivalent
-
per month contribution
Investment vs Interest
PPF Growth Over Time
Year-wise Interest Earned
Year-wise PPF Breakup
Download Report

What is Ppf Calculator?

The PPF Calculator projects the maturity value of your Public Provident Fund account at the current government rate of 7.1% per annum. It maps out year-wise growth over tenures ranging from the standard 15 years to extended periods up to 50 years. Additionally, it estimates annual tax savings under Section 80C, making it a complete PPF planning companion.

How to Use Ppf Calculator

  1. 1
    Enter your planned annual PPF contribution amount (maximum 1.5 lakh per financial year).
  2. 2
    Set the investment tenure starting from the mandatory 15-year lock-in period.
  3. 3
    The interest rate is pre-set at 7.1% but can be adjusted if government revises the rate.
  4. 4
    Click Calculate to view the maturity amount, total deposits, and cumulative interest earned.
  5. 5
    Review the year-wise growth table and estimated tax savings under Section 80C of the Income Tax Act.

Key Features

Accurate projection using the prevailing PPF interest rate of 7.1% compounded annually.
Year-wise balance growth table showing deposits, interest credited, and cumulative total.
Support for extended tenures beyond 15 years in 5-year blocks up to 50 years.
Section 80C tax savings estimation based on your annual contribution amount.
Partial withdrawal and loan eligibility indicators at applicable year milestones.
Comparison mode to see how different annual contributions affect the final maturity corpus.

Frequently Asked Questions

1. Is Ppf Calculator free to use?

Yes, Ppf Calculator is 100% free with no registration, no hidden fees, and unlimited calculations. All features including PDF, Excel, and CSV report downloads are completely free.

2. How accurate is Ppf Calculator?

Ppf Calculator uses standard financial formulas used by banks and financial institutions worldwide. The calculations are mathematically precise. However, actual returns or payments may vary based on your bank's specific terms, fees, and rounding policies.

3. Does Ppf Calculator work for countries outside India?

Yes! Ppf Calculator supports 42 currencies including USD, EUR, GBP, AED, SAR, CAD, AUD, JPY, and many more. The currency is auto-detected based on your location, and preset values adjust to match your country's market rates and financial products.

4. Can I download the calculation report from Ppf Calculator?

Yes. After calculating, you can download the complete report in three formats — PDF (professional branded report), Excel (with multiple sheets for summary and detailed breakup), and CSV (for importing into any spreadsheet). All downloads are generated instantly in your browser.

5. Is my financial data safe with Ppf Calculator?

Absolutely. All calculations happen entirely in your browser using JavaScript. No financial data is ever sent to any server. Your amounts, interest rates, and investment details remain completely private on your device.

6. Are the preset interest rates in Ppf Calculator accurate?

The preset rates are approximate market averages for each country and product type. They are meant as starting points for quick calculations. Always confirm the actual rate with your bank or financial institution before making any financial decisions.

7. Does Ppf Calculator work on mobile devices?

Yes! Ppf Calculator is fully responsive with interactive sliders, charts, and tables optimized for smartphones, tablets, and desktops. All download features work on mobile as well.

8. Do I need to install any app to use Ppf Calculator?

No installation needed. Ppf Calculator is a web-based tool that works directly in any modern browser — Chrome, Firefox, Safari, Edge, or Brave. Just open the page and start calculating instantly.

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