PPF calculator -online ppf calculator

PPF Calculator

Enter your initial investment amount:

Enter your annual investment add-on:

Select interest rate (%):
6.4% 6.8% 7.1% 7.5% 7.9% 8.3%
Select investment duration (in years):
5 years 10 years 15 years 20 years 25 years 30 years

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PPF Calculator
A PPF calculator helps estimate the maturity amount and interest earned on your Public Provident Fund (PPF) investment based on the annual deposit, interest rate, and tenure. You can use it by entering your yearly contribution and the applicable interest rate to see the returns after 15 years. It simplifies planning for long-term savings and tax benefits.

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What is PPF?

The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, offering fixed returns with tax benefits under Section 80C.

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How PPF Works

You can open a PPF account with a bank or post office and deposit a minimum of ₹500 and a maximum of ₹1.5 lakh annually. Interest is compounded annually, and the maturity period is 15 years, with an option to extend in blocks of 5 years.

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Advantages of PPF

• Safe investment with government guarantee.
• Tax benefits: Investments, interest, and maturity amount are tax-free.
• Compound interest boosts long-term savings.
• Partial withdrawals allowed after the 7th year.

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Disadvantages of PPF

• Long lock-in period of 15 years.
• Interest rates may vary annually.
• Premature closure is restricted to specific conditions.
• Limited liquidity compared to other investment options.