PPF Maturity Calculator
Estimate your long-term savings and maximize returns with our PPF calculator. Easily calculate PPF returns for monthly and variable investments.
Smart PPF Planning Made Simple
The Public Provident Fund (PPF) is one of India’s most popular long-term savings schemes, offering tax-free returns with government backing.
Key Benefits:
- Tax-free returns under Section 80C
- Current interest rate: 7.1% (compounded annually)
- 15-year maturity with extension options
- Loan facility available from 3rd to 6th year
How to Use
- Enter investment period (15-50 years)
- Choose frequency (monthly/yearly)
- Select type (fixed/variable)
- Enter investment amount
- Click “Calculate” to see results
Your PPF Maturity Projection
Detailed breakdown of your investment growth
Total Investment
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Total Interest Earned
₹0
Net Gain
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Maturity Value
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Year-by-Year Breakdown
| Year | Investment (₹) | Interest (₹) | Balance (₹) |
|---|
Investment Growth Visualization
Why Use Our PPF Calculator?
Get accurate projections to make informed investment decisions
Flexible Calculations
Calculate returns for both fixed and variable investment amounts with monthly or yearly contributions.
Detailed Breakdown
See exactly how your investment grows each year with our comprehensive year-by-year analysis.
Visual Growth Tracking
Understand your investment progression through interactive charts and graphs.
Shareable Results
Easily share your investment plan with family or financial advisors via WhatsApp or print.
Benefits of PPF Investment
Why the Public Provident Fund is one of India’s most popular savings schemes
Government Backed
PPF is backed by the Government of India, making it one of the safest investment options available.
Tax-Free Returns
Enjoy tax benefits under Section 80C for investments, and tax-free interest and maturity amounts.
Attractive Interest
Current interest rate of 7.1% (compounded annually) with quarterly revisions by the government.
Long-Term Growth
15-year maturity period encourages disciplined savings and benefits from compounding.
Loan Facility
Take loans against your PPF balance between the 3rd and 6th financial year if needed.
Extension Option
Extend your account in blocks of 5 years after maturity to continue earning interest.
Understanding PPF (Public Provident Fund) Investments
The Public Provident Fund (PPF) is one of India’s most popular long-term savings schemes, offering attractive interest rates with tax benefits. Our PPF calculator helps you estimate the maturity amount you can expect from your investments, allowing you to plan your financial future more effectively.
How PPF Works
PPF is a government-backed savings scheme with a 15-year maturity period that can be extended indefinitely in blocks of 5 years. Here’s how it works:
- Investment Period: Minimum 15 years, extendable in 5-year blocks
- Minimum Investment: ₹500 per financial year
- Maximum Investment: ₹1.5 lakh per financial year
- Interest Rate: Currently 7.1% (compounded annually)
- Tax Benefits: EEE (Exempt-Exempt-Exempt) status under Section 80C
Key Features of PPF
The Public Provident Fund offers several unique benefits that make it an excellent choice for long-term wealth creation:
- Safety: Backed by the Government of India with guaranteed returns
- Tax Efficiency: Investments, interest, and maturity amounts are all tax-free
- Flexibility: Partial withdrawals allowed from the 7th financial year
- Loan Facility: Can take loans against PPF balance between 3rd and 6th year
- Transferability: Account can be transferred between branches/post offices
Why Use a PPF Calculator?
Our PPF maturity calculator helps you:
- Plan your long-term financial goals with accurate projections
- Compare different investment scenarios (monthly vs yearly contributions)
- Understand the power of compounding on your savings
- Make informed decisions about your investment amounts
- Visualize your investment growth over time
By using our calculator, you can determine exactly how much you need to invest each year to reach your financial goals through PPF, whether you’re saving for retirement, your child’s education, or other long-term objectives.
Frequently Asked Questions
Common queries about PPF investments and our calculator
The current PPF interest rate is 7.1% (as of 2025). This rate is reviewed quarterly by the government and may change.
Yes, you can invest monthly in PPF. Our calculator provides both monthly and yearly investment options to help you plan better.
Absolutely! The variable investment option lets you enter different amounts for each year based on your financial situation.
The minimum investment is ₹500 per year, and the maximum is ₹1.5 lakh per financial year.
Interest is calculated monthly but credited annually at the end of the financial year. It’s calculated on the lowest balance between the 5th and last day of each month.
Partial withdrawals are allowed from the 7th financial year onward, up to 50% of the balance at the end of the 4th year or immediately preceding year, whichever is lower.
Yes, you can extend your PPF account in blocks of 5 years after the initial 15-year maturity period. You can choose to extend with or without further contributions.
PPF generally offers better returns than FDs for long-term savings due to its tax-free status and compounding benefits. While FD interest is taxable, PPF offers EEE (Exempt-Exempt-Exempt) tax benefits. However, FDs offer more liquidity with shorter lock-in periods.
