PPF Calculator

Yearly Investment
Interest Rate (p.a.)
%
Time Period (Years)
yrs
Total Invested Amount: 22,50,000
Total Interest Earned: 18,18,209
Maturity Value: 40,68,209

5-in-1 Online PPF Calculator

The Public Provident Fund (PPF) is a trusted government-backed long-term savings scheme offering tax-free returns under the EEE (Exempt-Exempt-Exempt) status. This 5-in-1 PPF Calculator helps you plan investments, track interest compounding, evaluate monthly contributions, and estimate extended tenure growth.

How the 5 Calculator Modes Work

1. Standard PPF Calculator

Calculates overall maturity corpus, total principal invested, and cumulative interest earned over a 15-year statutory tenure.

2. PPF Maturity Calculator

Focuses directly on the final lump-sum amount payable upon account maturity.

3. PPF Interest Calculator

Isolates the interest component earned through annual compounding, which is calculated monthly on the lowest balance between the 5th and last day of each month.

4. PPF Monthly Investment Calculator

Allows flexible planning by calculating returns based on monthly contributions rather than a single annual lump sum.

5. PPF Extension Calculator

Projects corpus accumulation if you choose to extend your PPF account in blocks of 5 years beyond the initial 15-year term.

PPF Compounding Formula Overview

Formula: $F = P \times \left[\frac{(1 + i)^n - 1}{i}\right]$
Where F = Maturity Value, P = Annual Deposit, i = Annual Interest Rate, n = Total Number of Years

Frequently Asked Questions (FAQs)

Q1. What is the maximum and minimum investment allowed in PPF?

You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in a PPF account.

Q2. Is PPF interest taxable?

No, the interest earned and the final maturity amount withdrawn from a PPF account are 100% tax-free under current Indian income tax laws.

Disclaimer: This calculator provides financial projections based on user-entered interest rates. Actual PPF interest rates are notified by the Central Government quarterly and may vary over time.