| Year | Invested | Interest | Balance | Loan Max | Withdrawal |
|---|
PPF Calculator – Calculate Maturity Value, Interest & Tax-Free Returns
The PlanMyReturns PPF Calculator helps you calculate how much your Public Provident Fund (PPF) investment will grow over time and what tax-free maturity amount you can expect.
It is designed to reflect actual PPF rules, including:
- Monthly or yearly contributions
- Fixed, increasing, decreasing, or custom investments
- Government-declared interest rate
- Loan and partial withdrawal limits
- Complete year-wise breakdown
This calculator is ideal for long-term, risk-free investment planning.
What Is PPF (Public Provident Fund)?
The Public Provident Fund (PPF) is a government-backed, long-term savings scheme that offers guaranteed returns and complete tax benefits.
When Was PPF Introduced?
PPF was introduced in 1968 by the Government of India to encourage disciplined long-term savings among individuals.
Key Objective of PPF
- Promote safe, long-term wealth creation
- Provide tax-free returns
- Offer financial security with zero market risk
PPF is especially popular among investors who prefer capital protection over high risk.
Why People Use a PPF Calculator
Most people searching for a PPF calculator want answers to:
- How much will my PPF investment grow in 15 years?
- What will be my total interest earned?
- Is monthly PPF better than yearly?
- How much loan can I take against my PPF?
- When can I partially withdraw from PPF?
- Is PPF better than FD or EPF?
This calculator answers all of these clearly.
PPF Investment Rules
- Minimum investment: ₹500 per year
- Maximum investment: ₹1.5 lakh per year
- Lock-in period: 15 years
- Interest rate: Set quarterly by the government
- Risk: None (sovereign backed)
- Tax benefit: EEE (Exempt-Exempt-Exempt)
Investment Frequency: Monthly or Yearly
This calculator supports both real-world PPF contribution styles.
Monthly Investment
- Ideal for salaried individuals
- Automatically converts to yearly limit
- Interest calculated accurately
Yearly Investment
- Suitable for lump-sum contributors
- Full interest if deposited early in the year
Investment Modes Supported
Most calculators only allow fixed amounts. This one goes deeper.
Fixed Amount
Same investment every year.
Increasing Investment (5% Per Year)
Investment grows with income.
Decreasing Investment (5% Per Year)
Gradually reduces contribution over time.
Custom Year-Wise Investment
Different amount every year.
Perfect for bonuses, business income, or irregular cash flow.
How PPF Interest Is Calculated
PPF interest is:
- Calculated monthly
- Credited once every year
Interest is calculated on the lowest balance between the 5th and the last day of the month.
This calculator uses a standardised approximation followed by most official tools to give reliable planning estimates.
PPF Example
Suppose an individual invests ₹1,50,000 every year in PPF for 15 years at 7.1% interest.
Result:
- Total investment: ₹22,50,000
- Total interest earned: ~₹18,18,000
- Maturity value: ~₹40,68,000
- Entire amount is tax-free
Exact value depends on interest rates and deposit timing.
PPF Loan Facility
PPF allows loans:
- From 3rd to 6th financial year
- Maximum loan: 25% of balance at end of 2nd preceding year
This calculator shows the maximum eligible loan year-wise, based on actual PPF rules.
PPF Partial Withdrawal Rules
Partial withdrawals are allowed:
- From 7th financial year onward
- Maximum withdrawal: 50% of balance at the end of the 4th preceding year
Your calculator shows:
- When withdrawals become eligible
- How much can be withdrawn each year
What This PPF Calculator Shows You
- Total amount invested
- Total interest earned
- Final maturity value
- Year-wise balance growth
- Loan eligibility per year
- Partial withdrawal limits
- Visual chart of invested vs interest
- Downloadable and shareable plan
How to Use the PlanMyReturns PPF Calculator
- Choose monthly or yearly investment
- Enter investment amount
- Select investment duration
- Enter interest rate
- Choose investment mode
- Click Calculate
You can also:
- Download CSV
- Share your plan
- Generate result image
PPF vs Other Investment Options
PPF vs Fixed Deposit
| Feature | PPF | FD |
|---|---|---|
| Risk | None | Low |
| Returns | Government-declared | Fixed |
| Tax on returns | Tax-free | Taxable |
| Lock-in | 15 years | Flexible |
PPF vs EPF
| Feature | PPF | EPF |
|---|---|---|
| Eligibility | Anyone | Salaried only |
| Returns | Fixed | Fixed |
| Employer contribution | No | Yes |
| Tax benefit | Full EEE | Mostly EEE |
PPF vs NPS
| Feature | PPF | NPS |
|---|---|---|
| Risk | None | Market-linked |
| Returns | Guaranteed | Variable |
| Liquidity | Low | Very low |
| Best for | Safety | Retirement income |
Who Should Use PPF?
- Risk-averse investors
- Long-term savers
- Tax-saving investors
- Parents planning secure savings
- Anyone wanting guaranteed returns
Why PlanMyReturns PPF Calculator Better
- Reflects real PPF rules
- Supports multiple investment styles
- Shows loan and withdrawal limits
- Clean year-wise breakdown
- No login or distractions
frequently asked questions
Yes. Investment, interest, and maturity are all tax-free.
No. Amounts above the limit do not earn interest.
Yes, in blocks of 5 years.