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PPF Calculator
A PPF calculator helps you understand how your money can grow when you save in a Public Provident Fund (PPF) account. It’s an easy-to-use tool that shows how much you will get after a few years if you keep saving a fixed amount every year. If you are saving for your retirement, your child’s future, or just want a safe way to grow your money, the calculator helps you plan better. Read More

It uses your yearly savings and the current PPF interest rate to show your final amount at the end of the plan. Using the calculator requires no difficult mathematical calculations. Users can input specific information into the calculator, which automatically generates the total savings, together with interest gains and the final amount. A PPF calculator online is a smart way to save. Read Less

Calculate Your Returns

Investment Amount

₹

Min: ₹500

Max: ₹150,000

Investment Frequency

Tenure (In Years)

Years

Min: 15 Years

Max: 50 Years

Rate of Interest (In %)

%

Goal Amount

Total Investment

₹45 Lakhs

for 25 years

Goal Amount

Interest Earned

₹1.04 Crores

for 25 years

Death and Maturity Benefit

Maturity Amount

₹1.49 Crores

@ 7.10% p.a.

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Investment Amount

Investment Year

Total Amount Invested

Total Interest Earned

Amount After Maturity

Year Investment Amount Interest Earned Maturity Amount
1 Year ₹1,20,000 ₹1,20,000 ₹1,20,000

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What is PPF?

Public Provident Fund (PPF) is a government-backed savings plan made for long-term goals. It was introduced to help people save money securely, earn interest, and enjoy tax benefits. The best part? It’s safe and risk-free.

When you open a PPF account, you can put in money regularly—monthly, quarterly, or once a year. The minimum deposit is ₹500, and the maximum allowed is ₹1.5 lakh in a financial year. You can keep putting money for 15 years, and even extend it later.

The government announces the PPF interest rate every three months. For the current quarter, the rate is 7.1% per annum.The interest is added to your account once a year, but it is calculated every month, which helps your money grow faster.

PPF works great because it uses compound interest. This means you earn interest not only on what you deposit, but also on the interest you’ve earned before.

Key Features of the PPF Calculator

A PPF calculator online is a free tool that helps you figure out how much money you’ll have at the end of your PPF tenure. Here's how it helps:

  • Based on how much you deposit every year, the calculator shows your maturity amount after 15 years.

  • It calculates interest year by year using the latest PPF interest rate calculator.

  • You just enter your yearly contribution, and the calculator does the rest.

  • It shows how much of your deposit qualifies for tax savings under Section 80C.

Benefits of Using a PPF Calculator

Using a PPF calculator is like having a financial helper. Here’s why it’s so useful:

  • No need to do complex math or worry about wrong results.

  • You can plan how much to deposit each year to reach your savings goal.

  • It helps you see how much you can claim under Section 80C.

  • Whether it's retirement, a child’s education, or buying a house, it gives a clear idea of how PPF can support your dreams.

Considerations While Planning with PPF

Before starting your PPF investment, here are a few things you should think about:


1. Interest Rate


The PPF interest rate is fixed by the government and reviewed every quarter. Even though it’s not fixed for 15 years, it has always been better than a normal savings account. You can check the latest rate from the IRDAI website or a trusted news source.


2. Lock-in Period


PPF has a lock-in periodof 15 years, which means you cannot fully withdraw the money before that. However, partial withdrawals are allowed after completion of five full financial year. You can also take a loan against your PPF between the 3rd and 6th years.


3. Tax Benefits


PPF is an EEE (Exempt-Exempt-Exempt) scheme. That means:



  • Your deposits (up to ₹1.5 lakh per year) are tax-free under Section 80C.

  • Interest earned is tax-free.

  • The maturity amount is also tax-free.


4. Contribution Discipline


To earn more interest, it’s better to deposit before the 5th of every month. If you deposit after that, you lose one month’s interest. A PPF calculator online helps plan these deposits better.


5. Fixed vs. Flexible Deposits


You can deposit in one shot or monthly. The calculator allows you to compare both methods and decide which gives better returns for you.


PPF vs. Other Savings Plans: Comparison

Here’s a quick look at how PPF compares with other popular saving schemes:

FeaturePPFFDEPFELSS

Tenure

15 years

1–10 years

Till retirement

3 years

Interest Rate

7.1% (current) per annum

2.5–7% per annum

~8.25% per annum

Market-linked

Risk

No risk

Low risk

Low risk

High risk

Tax Benefits

Yes (EEE)

Only under 5-year tax-saving FD

Yes

Yes (ELSS under 80C)

Liquidity

Limited

High

Limited

Medium

Tips for Selecting the Best PPF Plan

Here are a few easy-to-follow tips while choosing your PPF plan:

  • The earlier you start, the more your money grows through compound interest.

  • Deposit before the 5th to earn full monthly interest.

  • Use a PPF calculator to know how much to save each year to reach your target.

  • Try to deposit the maximum ₹1.5 lakh every year if you can.

  • Keep an eye on the latest quarterly rate announced by the government.

  • You can open a PPF account at authorized banks or India Post.

A PPF calculator is your financial friend if you're serious about long-term savings. It shows how much your money can grow, how compound interest works, and how tax benefits make a difference. Whether you're using a PPF calculator online or a personal provident fund calculator on your phone, it simplifies the complex math and helps you make smarter financial decisions. When you use a public provident fund calculator, you take control of your future. 

Frequently Asked Questions

1. How much will I get after 15 years in PPF?

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 If you save ₹1.5 lakh every year for 15 years, you can get around ₹40.68 lakhs at 7.1% interest.

2. How do you get 1 CR in PPF?

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 Keep saving ₹1.5 lakh every year in PPF for 25–30 years to grow your money close to ₹1 crore.

3. Why should you use a PPF calculator before investing?

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 It shows how your money grows, how much interest you earn, and helps you plan your savings better and smarter.

4. How does compound interest affect your PPF returns?

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Compound interest means your savings grow faster because interest gets added to the money, and you earn interest on that too.

5. Should you invest the full ₹1.5 lakh yearly in PPF?

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 Yes, if possible. Saving your entire contribution enables maximum tax benefits according to Section 80C regulations under old regime of Income Tax Act, in addition to generating maximum interest earnings.

6. Can a PPF calculator help in tax planning under Section 80C?

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Yes. The tax savings from PPF contribute to better planning of your annual financial expenses.

7.. How can you reach your long-term financial goals with PPF?

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Build regular savings, keep your funds invested, and compound interest will multiply your balance. Continuous investments in your money will generate substantial growth that can fulfill your retirement needs among others.

8. How much can you save using a PPF account over 15 years?

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 If you save ₹1.5 lakh every year, you can build over ₹40 lakh in 15 years with interest at 7.1%. 

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For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

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