PPF Calculator
Calculate your Public Provident Fund returns and plan your long-term savings. Estimate maturity amount, interest earned, and make informed investment decisions.
About PPF Calculator
The PPF Calculator helps you estimate returns on your Public Provident Fund investment. It considers factors like annual investment, investment period, and current interest rates to provide accurate projections. Use it to plan your long-term savings and achieve your financial goals.
Step 1: Enter Annual Investment
Input your planned annual PPF investment amount
Step 2: Set Investment Period
Choose your investment duration (minimum 15 years)
Step 3: View Results
Get detailed projections of maturity amount and interest earned
Step 4: Understand Compounding
See how your investment grows with compound interest over time
How to Use the Calculator
Step 1: Select Income Source
Choose the type of income you want to calculate
Step 2: Enter Investment Details
Input your initial investment and expected return rate
Step 3: Set Time Period
Specify the duration for your investment
Step 4: Get Results
View your projected passive income and growth
Benefits
Tax Benefits
Enjoy tax deductions under Section 80C and tax-free returns
Safe Investment
Government-backed scheme with guaranteed returns
Long-term Growth
Compound interest helps grow your savings significantly
Regular Income
Option to extend account and receive regular interest
Loan Facility
Borrow against your PPF account after 3 years
Retirement Planning
Ideal for building a retirement corpus
Key Features
Frequently Asked Questions
What is PPF?
Public Provident Fund (PPF) is a long-term savings scheme offered by the Government of India. It offers attractive interest rates and tax benefits under Section 80C of the Income Tax Act.
How is PPF interest calculated?
PPF interest is calculated on the minimum balance between the 5th and last day of each month. The interest is compounded annually and credited at the end of each financial year.
What are the key features of PPF?
Key features include: 15-year lock-in period, tax-free returns, minimum investment of ₹500 per year, maximum investment of ₹1.5 lakh per year, and partial withdrawal allowed after 5 years.
Can I extend my PPF account?
Yes, you can extend your PPF account in blocks of 5 years after the initial 15-year period. You can make unlimited extensions, and the account continues to earn interest.
What are the tax benefits of PPF?
PPF offers triple tax benefits: 1) Investment up to ₹1.5 lakh is deductible under Section 80C, 2) Interest earned is tax-free, and 3) Maturity amount is completely tax-free.