PPF Calculator Online – Estimate Your Public Provident Fund Returns Online
Planning your future savings? Our PPF Calculator helps you easily estimate how much you’ll earn through the Public Provident Fund (PPF). Just enter your monthly/yearly investment, choose the investment duration, and the calculator will show your total maturity amount and interest earned.
What is a Public Provident Fund (PPF)?
PPF is a government-backed savings scheme that offers safe and tax-free returns. You can invest between ₹500 to ₹1.5 lakh annually for a lock-in period of 15 years. The current interest rate is updated quarterly by the government.
Benefits of Using this PPF Calculator
- Quick and accurate PPF maturity estimation
- Visual breakdown of interest earned over time
- No signup or payment required
- Mobile-friendly and easy-to-use
How is PPF Interest Calculated?
The interest is compounded annually and calculated monthly. Deposits made before the 5th of each month earn interest for that month. Our calculator uses the latest interest rate and the compound interest formula to give you the most accurate results.
PPF Calculator Example
Let’s say you invest ₹10,000 every month for 15 years. At the current interest rate of 7.1% (as of 2025), your maturity amount would be approximately ₹32.7 lakhs with interest earnings of over ₹14 lakhs.
FAQs about PPF Calculator
1. Is the PPF interest rate fixed?
No, the PPF interest rate is revised by the Government of India every quarter.
2. Can I invest more than ₹1.5 lakh in a year?
You can deposit more, but only ₹1.5 lakh is eligible for interest and tax benefit under Section 80C.
3. What happens after 15 years?
You can withdraw the full amount, extend the account in 5-year blocks, or continue without contributions.
4. Is the maturity amount taxable?
No, the PPF maturity amount including interest is fully tax-free.
