Planning for the future is essential, and one of the most secure ways to build your savings is through a Public Provident Fund (PPF). This PPF Calculator is a simple, user friendly and effective tool designed to help you estimate the growth of your investment over time. With just a few inputs like your annual deposit, the number of years you plan to invest, and the prevailing interest rate you will find the estimated earnings on your corpus. PPF Calculator lets you estimate tax-free maturity amount, total investment and interest earned on your PPF account, helping you plan long-term, government-backed savings smartly.
Public Provident Fund (PPF) Calculator
Calculate maturity amount for your PPF investments with latest interest rates
PPF Key Features (2024-25)
- Current Interest Rate: 7.1% per annum (compounded annually)
- Investment Limit: ₹500 to ₹1.5 lakh per financial year
- Lock-in Period: 15 years (extendable in blocks of 5 years)
- Tax Benefits: EEE (Exempt-Exempt-Exempt) status under Section 80C
- Risk-Free: Government-backed, sovereign guarantee
- Partial Withdrawal: Allowed from 7th year (up to 50% of balance)
PPF Interest Calculation Rules
- Interest is calculated monthly but credited annually at the end of the financial year
- Deposits before the 5th of the month earn interest for that entire month
- Minimum balance for interest calculation is the balance between 5th and last day of month
- No interest is paid on amounts withdrawn during the year
Public Provident Fund (PPF) Calculator is an online tool that helps you project the long-term, tax-free corpus you can build by investing in a PPF account under the Government of India’s small savings scheme. By entering your yearly or monthly contribution, investment duration (minimum 15 years plus optional 5-year extensions) and the current PPF interest rate (7.10% p.a. compounded annually at present), the calculator computes your total investment, wealth gained and final maturity amount.​
Using the prescribed PPF interest calculation method with annual compounding, the calculator clearly separates the amount you deposit from the interest credited each year, showing how disciplined contributions benefit from long-term compounding. This makes the PPF Calculator ideal for planning retirement, child education or other long-horizon goals, comparing PPF with other tax-saving options, and optimising annual contributions up to the ₹1.5 lakh limit to fully leverage PPF’s EEE (exempt-exempt-exempt) tax advantage.
This tool provides a user-friendly way for individuals to plan their PPF investments and visualize their long-term savings potential! It also give you a clear picture of your savings breakdown—making planning and understanding your finances easier than ever.
Whether you're a beginner or a seasoned saver, this tool is here to show you how your small, consistent contributions can grow into a significant retirement fund or long-term savings goal, all tax-free under Indian PPF rules.