PPF Calculator
Calculate the returns on your Public Provident Fund (PPF) investments with our easy-to-use calculator.
Adjust Parameters
₹500₹1,50,000₹1,50,000
5%7.1%9%
15 years15 years50 years
Shows inflation-adjusted returns
Investment Details
How to Calculate PPF Returns
The Public Provident Fund (PPF) uses compound interest calculated annually. The interest is calculated on the lowest balance between the 5th and the last day of each month.
A = P × (1 + r)^n + P × ((1 + r)^n - 1) / r
Where:
- A = Maturity amount
- P = Annual investment amount
- r = Annual interest rate (in decimal form)
- n = Number of years
Example Calculation
For a yearly PPF investment of ₹1,50,000 at 7.1% interest for 15 years:
- P = 1,50,000
- r = 7.1/100 = 0.071
- n = 15 years
- Total investment = ₹22,50,000
- Maturity amount = ₹41,79,908
- Interest earned = ₹19,29,908
PPF Investment Rules
- Minimum annual deposit: ₹500
- Maximum annual deposit: ₹1,50,000
- Minimum lock-in period: 15 years
- Partial withdrawal allowed from 7th year
- Extension in blocks of 5 years after maturity
About Public Provident Fund
The Public Provident Fund (PPF) is a government-backed long-term savings scheme that offers safety, tax benefits, and attractive returns. It is one of the most popular tax-saving instruments under Section 80C of the Income Tax Act.
Benefits of PPF
- Tax deduction under Section 80C
- Tax-free interest earnings
- Tax-free maturity amount
- Government-backed security
- Loan facility available from 3rd year
- Partial withdrawals allowed from 7th year
How to Use This Calculator
- Enter your yearly investment amount
- Set the current PPF interest rate
- Choose your investment time period
- View the projected maturity amount and interest earned