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Public Provident Fund (PPF) Calculator – Plan Your Savings & Growth
The Public Provident Fund (PPF) is a government-backed savings scheme ideal for long-term, risk-free investment. Opening a PPF account offers guaranteed, tax-free returns with annual compounding, making it a smart choice for retirement planning and wealth building. Use our online PPF calculator to estimate your maturity amount, interest earned, and total corpus over a flexible tenure of 15+ years.
Whether you're investing annually or monthly, understanding the PPF interest rate and contribution rules is essential. Our calculator helps you plan efficiently by forecasting returns based on current Public Provident Fund interest rates. Ideal for salaried professionals, parents, and risk-averse investors, this tool simplifies personal provident fund account planning.
What is the Public Provident Fund (PPF)?
The Public Provident Fund (PPF) is a long-term, government-backed savings scheme in India offering safe, tax-exempt returns. With its attractive public provident fund interest rate, compounded annually, and eligibility under Section 80C, a ppf account is one of the best risk-free investment options. This free online PPF calculator helps you forecast maturity, interest earned, and total corpus by entering your yearly investment and tenure.
Why Use a Free Online PPF Calculator?
Calculating your PPF maturity manually can be tedious and error-prone, especially when accounting for compounding interest and partial withdrawals. An online PPF calculator provides instant, accurate results including:
- Total investment over 15 to 30 years
- Estimated interest earned at the current interest rate for public provident fund
- Maturity value at the end of your tenure
- Projections including automatic extensions beyond 15 years
Our tool is among the best free public provident fund calculators, requiring no sign-in, and optimized for mobile devices.
How Does This PPF Calculator Work?
The calculator is based on the standard PPF interest formula:
A = P × (1 + r)^n
Where:
- A = Maturity amount
- P = Yearly contribution (₹5,000 to ₹1.5 lakh)
- r = Annual interest rate (e.g., 7.1%)
- n = Tenure in years (minimum 15, extendable in 5-year blocks)
This formula accounts for compound interest and enables easy comparison of different investment scenarios.
Key Features of Our PPF Calculator
- No cost: Completely free to use with no hidden charges
- Fully online: Accessible from any device or browser
- Flexible tenure: Supports initial 15-year lock-in and extended 5-year blocks
- Instant results: Calculate maturity, interest, and returns instantly
- User-friendly: Clean UI and mobile responsive design
Why Choose the Public Provident Fund?
A personal provident fund account under PPF offers unmatched benefits such as:
- Guaranteed returns: Fixed interest rate declared quarterly by the government
- Triple tax exemption: Principal, interest, and maturity withdrawals are all tax-free (EEE status)
- Partial withdrawals & loans: Allowed after 5 years under certain conditions
- Flexible extensions: Extend your PPF in 5-year increments after maturity
With its safety, tax benefits, and steady returns, a PPF account is a cornerstone of retirement and savings planning.
Example: Calculating Your PPF Returns
For example, if you invest ₹1.5 lakh annually at a 7.1% interest rate for 15 years:
| Yearly Contribution | Interest Rate | Tenure | Total Investment | Maturity Amount |
|---|---|---|---|---|
| ₹1,50,000 | 7.1% | 15 Years | ₹22,50,000 | ₹40,68,209 |
Use our best free PPF calculator to adjust these inputs and explore longer tenures for higher returns.
Best Practices & Rules for PPF
- Minimum yearly deposit: ₹500; maximum: ₹1.5 lakh
- 15-year lock-in period, extendable in 5-year blocks
- Maximum 12 deposits per financial year (one per month)
- Partial withdrawals permitted after 5 years following guidelines
- Loan facility available between the 3rd and 6th financial years
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