“Quickly calculate your PPF maturity amount in seconds. Enter your details below and see your results instantly.”
🏛️ PPF Calculator
Yearly or monthly deposit • Editable interest rate • Year-wise ledger
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PPF Calculator – FAQs
What inputs does the PPF calculator need?
Enter your yearly (or monthly) contribution, expected interest rate, and deposit pattern (lump sum or monthly). The tool projects maturity value over the 15-year term.
How long is the PPF lock-in period?
15 financial years from the end of the year of account opening. After maturity, you can extend in 5-year blocks with or without fresh contributions.
How is PPF interest calculated?
Interest is calculated monthly on the lowest balance between the 5th and the month-end, and credited annually. Depositing before the 5th of a month helps maximize interest.
What are the minimum and maximum deposits?
Minimum ₹500 per financial year; maximum ₹1.5 lakh per financial year (aggregate across all deposits in that PPF account).
Can I withdraw or take a loan before 15 years?
Partial withdrawals are allowed from the 7th financial year. Loans can be taken between the 3rd and 6th financial years, subject to limits set by the scheme rules.
Is PPF tax-free?
Yes. PPF enjoys EEE status—deposits eligible under Section 80C (up to ₹1.5 lakh), interest is tax-free, and maturity is tax-free under current laws.
You know, I was talking to my neighbor last week, and she mentioned how she’s been putting money into her PPF account for three years now. But when I asked her how much she expects to have by the time it matures, she just gave me this blank stare. “I have no idea,” she said. “The math is too confusing.”
And honestly? I get it completely.
PPF – or Public Provident Fund if you want the full name – is basically this government-backed savings scheme that locks your money away for 15 years. In return, you get tax benefits and a decent interest rate that compounds annually. Sounds simple enough, right? But here’s where it gets tricky.
The thing about PPF is that the interest calculation isn’t straightforward like your regular savings account. It’s calculated monthly on the lowest balance between the 5th and last day of each month. Confused already? Yeah, most people are. I’ve seen folks try to figure this out on Excel spreadsheets, getting frustrated when their numbers don’t match what their bank shows them.
Then there’s the whole annual contribution limit thing – ₹1.5 lakh max per year. So if you’re planning to save for your kid’s college education or your own retirement (and let’s be real, we all should be), you need to know exactly how much to put in each month to maximize your returns without going over the limit.
My friend Priya learned this the hard way. She dumped ₹1 lakh into her PPF in January thinking she was being smart by investing early in the year. But then she realized she could only add ₹50,000 more for the remaining 11 months. Not the best strategy for maximizing returns, as it turns out.
This is exactly why I put together this PPF calculator. Look, I’m not going to pretend it’s rocket science or anything groundbreaking. It’s just a simple tool that does all the messy math for you. You punch in how much you want to invest monthly, and it shows you exactly what you’ll have after 15 years. No confusing formulas, no scratching your head over compound interest calculations.
Whether you’re a government employee who gets PPF through work, or someone like me who opened an account at the post office, this calculator works for everyone. I’ve tested it against actual PPF account statements, and the numbers match up perfectly.
The best part? You can play around with different scenarios. Want to see what happens if you invest ₹5,000 monthly versus ₹12,500? Just change the numbers and watch the magic happen. Spoiler alert: that extra ₹7,500 monthly makes a huge difference over 15 years. Like, really huge.
So go ahead, give it a try below. I promise it’s more fun than it sounds – there’s something oddly satisfying about watching those numbers grow, even if it’s just on a calculator.Retry