Public Provident Fund (PPF) Calculator
The Public Provident Fund (PPF) is a popular long-term savings scheme in India offering attractive tax-free returns and government-backed safety. With annual compounding and a 15-year lock-in period, this calculator helps you estimate your maturity amount, interest earned, and how consistent contributions can build a secure financial future.
Annual Deposit: ₹0
Total Investment::₹0
Total Interest Earned:₹0
Total Maturity Amount:₹0
📈 Growth Over Time
🍩 Deposit vs Interest
📊 Yearly Interest
Planning a loan or investment?
Check out our expert-curated guide to maximizing your returns and minimizing EMI burdens.
Learn More📅 Year-wise Breakdown
| Year | Interest (₹) | Amount (₹) |
|---|
The Public Provident Fund (PPF) is a long-term, government-backed savings scheme designed to encourage disciplined investment habits among Indians. It offers attractive compound interest and tax benefits, making it a safe and reliable option for wealth creation.
You can invest up to ₹1.5 lakh per year in a PPF account. Interest is compounded annually and credited at the end of each financial year. Even with modest monthly contributions, compounding over the 15-year lock-in period can lead to significant corpus growth.
PPF enjoys EEE (Exempt-Exempt-Exempt) tax treatment under Section 80C. The amount invested, interest earned, and maturity amount are all tax-free. This calculator helps you simulate your investment frequency—monthly, quarterly, half-yearly, or annually—and stay within the ₹1.5 lakh/year limit.
Whether you're planning for retirement, children's education, or long-term goals, PPF is a great option for secure compounding without market risks.
📘 How is PPF Interest Calculated?
The compound interest formula used is:A = P × (1 + r)t
- A = Maturity Amount
- P = Annual Deposit
- r = Annual Interest Rate (in decimal)
- t = Time in years
💡 Tips for Fixed Deposit Investors
- Maximum annual deposit allowed is ₹1.5 lakh.
- PPF has a 15-year lock-in period, extendable in blocks of 5 years.
- Interest is compounded yearly and is fully tax-free.
🤔 Frequently Asked Questions
- Q: Can I invest more than ₹1.5 lakh/year?
A: No, excess won’t earn interest. - Q: When is interest credited?
A: At the end of each financial year. - Q: Can I make monthly deposits?
A: Yes, but total annual cap remains ₹1.5 lakh.