Max limit: ₹1.5 Lakh per year
Min tenure: 15 years
*PPF interest is compounded annually.
PPF Calculator – Calculate Your Returns on Public Provident Fund
The Public Provident Fund (PPF) is a popular long-term savings tool backed by the Government of India that offers safety, tax benefits, and attractive interest. It’s widely used by salaried individuals, professionals, and business owners to build retirement savings or long-term wealth.
Use this PPF Calculator to estimate how much your PPF investment will grow over time — including interest earned and final maturity value — simply and accurately.
What Is PPF and Why Use a PPF Calculator?
A Public Provident Fund (PPF) account helps you save money while earning compound interest that is compounded annually. The interest rate is set by the Government every quarter.
The key features of PPF:
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Minimum investment: 500 per financial year
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Maximum investment: 1,50,000 per financial year
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Investment tenure: 15 years (extendable in blocks of 5 years)
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Interest compounded annually
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Tax benefits under Section 80C
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Secure and guaranteed returns
With so many factors (year, deposit amount, interest rate, tenure), manually calculating PPF returns can get confusing — that’s where our PPF Calculator comes in handy.
How to Use the LegalBabu’s PPF Calculator
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Enter Yearly Deposit Amount – Total amount you plan to deposit each year (500 to 1,50,000).
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Select PPF Tenure – Default is 15 years; you can choose to extend.
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Choose Expected Interest Rate (%) – Based on current rates (updated quarterly).
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Click Calculate – Get your total contributions, interest earned, and maturity value instantly.
Your results include:
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Total Amount Invested
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Interest Earned
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Final Maturity Amount
- PPF Calculator Example (15-Year Investment)
| Year | Annual Investment | Interest Earned | Total Balance at Year End |
| 1 | 1,50,000 | 10,650 | 1,60,650 |
| 2 | 1,50,000 | 22,055 | 3,32,705 |
| 3 | 1,50,000 | 34,222 | 5,16,927 |
| 4 | 1,50,000 | 47,203 | 7,14,130 |
| 5 | 1,50,000 | 61,053 | 9,25,183 |
| 6 | 1,50,000 | 75,838 | 11,51,021 |
| 7 | 1,50,000 | 91,624 | 13,92,645 |
| 8 | 1,50,000 | 1,08,484 | 16,51,129 |
| 9 | 1,50,000 | 1,26,500 | 19,27,629 |
| 10 | 1,50,000 | 1,45,753 | 22,23,382 |
| 11 | 1,50,000 | 1,66,330 | 25,39,712 |
| 12 | 1,50,000 | 1,88,321 | 28,78,033 |
| 13 | 1,50,000 | 2,11,819 | 32,39,852 |
| 14 | 1,50,000 | 2,36,921 | 36,26,773 |
| 15 | 1,50,000 | 2,63,736 | 40,40,509 |
*Interest calculated at 7.1% compounded annually (approximation).
| Particulars | Amount |
|---|---|
| Total Investment | 22,50,000 |
| Total Interest Earned | 17,90,509 |
| Maturity Amount | 40,40,509 |
Why LegalBabu’s PPF Calculator?
1. Accurate compound interest computation
2. Helps with retirement planning
3. Updated for changing Government rates
4. Easy to use with instant result
5. No manual math needed
Whether you’re planning retirement funds or evaluating tax-efficient investments, this tool simplifies your decision.
FAQS
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What is a PPF account?
A PPF (Public Provident Fund) account is a long-term, government-backed savings scheme where you invest regularly and earn compounded interest. It also offers tax benefits.
- How is interest on PPF calculated?
- Can I deposit any amount in PPF?
- Is PPF interest rate fixed?
- What is the tenure of a PPF account?
- Can I withdraw money from PPF before maturity?
- Is PPF fully tax-free?
- How often should I deposit in PPF?
- Can I invest more than ₹1,50,000 in a year?
- Why use a PPF calculator?
