PPF Calculator
The Indian government started the Public Provident Fund (PPF) in 1968 to encourage people to save money in a disciplined way. It offers guaranteed returns and full tax exemption. It is a safe place to invest money. People can put between ₹500 and ₹1.5 lakh into a PPF account every year for 15 years, and they will earn tax-free interest (currently 7.1% per year, compounded monthly but credited every year on March 31st).
Public Provident Fund helps by providing triple tax benefits under EEE status, deduction on investments up to ₹1.5 lakh (Section 80C), tax-free interest earnings, and tax-free maturity proceeds,making it ideal for retirement planning and children's education funds. Its sovereign guarantee ensures zero capital risk, while partial withdrawals (after 7 years) and loans (after 3 years) offer liquidity during emergencies. With monthly compounding working silently over 15 years, even modest ₹1.5 lakh annual deposits can grow to ₹40+ lakhs, delivering stable wealth creation unmatched by riskier market investments.
What is a PPF calculator?
A Public Provident Fund (PPF) Calculator is a web-based tool that figures out the maturity value of your Public Provident Fund account based on how much you put in each year, the interest rates, and how long you plan to keep the money.
It keeps track of growth by showing how much was invested, how much interest was earned, and the final corpus (for example, ₹1.5L per year for 15 years at 7.1% yields ₹40.68 lakhs).
What do you need a PPF calculator for?
The PPF interest compounds every month, but it is credited every year. Also, the rates change every month or every three months, which makes it very difficult to keep track of everything by hand.
The calculator makes it easier to plan for tax-free savings goals like retirement, making sure you get the most out of the ₹1.5L annual limit under Section 80C.
What is a PPF Calculator?
It's a simple financial tool that uses compound interest to predict PPF returns. It can handle changes in the monthly rate and show balances for each year.
Stockify’s calculators show the opening balance, deposits, interest, closing balance, loans, and withdrawals so that you can see everything.
How to use the PPF Calculator?
It helps keep an eye on capital growth, plan deposits around changes in interest rates, and keep track of loans and withdrawals (after 7 years) while maximising tax benefits.
F = [P × (1 + i)n − 1]
i
F: The amount of PPF that will mature
P: yearly payment (like ₹1.5 lakhs)
i: Interest rate (for example, 7.1% per month)
n: The total number of years (for example, 15)
Example Table (₹1.5L annual deposit, 7.1% rate, 15 years)
Year | Opening Amount | Deposit | Rate of Interest | Closing Amount | Loan | Amount Withdrawn |
1 | ₹0 | ₹1,50,000 | ₹11,400 | ₹1,61,400 | ₹0 | ₹0 |
2 | ₹1,61,400 | ₹1,50,000 | ₹23,666 | ₹3,35,066 | ₹0 | ₹0 |
3 | ₹3,35,066 | ₹1,50,000 | ₹36,865 | ₹5,21,931 | ₹40,350 | ₹0 |
4 | ₹5,21,931 | ₹1,50,000 | ₹51,067 | ₹7,22,998 | ₹83,767 | ₹0 |
5 | ₹7,22,998 | ₹1,50,000 | ₹66,348 | ₹9,39,346 | ₹1,30,483 | ₹0 |
6 | ₹9,39,346 | ₹1,50,000 | ₹82,790 | ₹11,72,136 | ₹1,80,750 | ₹0 |
7 | ₹11,72,136 | ₹1,50,000 | ₹1,00,482 | ₹14,22,618 | ₹0 | ₹2,60,966 |
8 | ₹14,22,618 | ₹1,50,000 | ₹1,19,519 | ₹16,92,137 | ₹0 | ₹3,61,499 |
9 | ₹16,92,137 | ₹1,50,000 | ₹1,40,002 | ₹19,82,139 | ₹0 | ₹4,69,673 |
10 | ₹19,82,139 | ₹1,50,000 | ₹1,62,043 | ₹22,94,182 | ₹0 | ₹5,86,068 |
11 | ₹22,94,182 | ₹1,50,000 | ₹1,85,758 | ₹26,29,940 | ₹0 | ₹7,11,309 |
12 | ₹26,29,940 | ₹1,50,000 | ₹2,11,275 | ₹29,91,215 | ₹0 | ₹8,46,069 |
Grown Up Invested ₹22.5 lakhs, earned ₹18.18 lakhs in interest, and had a total of ₹40.68 lakhs.
How to use the Stockify PPF Calculator?
Use the PPF calculator in these simple steps:
Step 1: Enter annual deposit amount
Input your yearly PPF contribution (₹500 minimum to ₹1.5 lakh maximum). This reflects how much you'll deposit each financial year.
Step 2: Add interest rate and tenure
Enter the current PPF rate of 7.1% and investment period as a standard of 15 years, extendable. These drive the compounding calculation.
Step 3: Include current balance (optional)
Add existing PPF balance if continuing an old account. Leave blank for new accounts starting from zero.
Step 4: Generate instant results table
Click calculate to view year-wise breakdown showing opening/closing balances, interest earned, loans taken, withdrawals made, and final maturity value.
Advantages of Stockify's PPF Calculator
This is why using the PPF calculator from Stockify can be beneficial:
Handles changes in monthly interest and credits without needing to be done by hand.
Gives a detailed year-by-year table for keeping track of growth, loans (after Year 3), and withdrawals (after Year 7).
It's free and easy to use; just enter values and get maturity projections in seconds.
Allows for flexible planning by letting you do monthly and yearly calculations.
FAQ
For PPF, you need to figure out the total number of years of investment, the interest rate, and the annual payments.
The interest in PPF work as compounded every month and added to the account on March 31st based on the minimum balance from the 5th to the end of the account.
After Year 3, you can take out loans for up to 25% of your balance. After Year 7, you can take out 50% of your balance.
PPF lasts 15 years, with the option to extend in 5-year blocks with or without more deposits.
After the 15-year maturity period, you can take out all of your PPF balance. Before the end of the 4th year before maturity, partial withdrawals are only allowed up to 50% of the balance.
It depends on how much you put in each year and the interest rate. If you put ₹1.5 lakh into an account every year at 7.1%, you'll get about ₹40.68 lakhs back (₹22.5 lakhs invested plus ₹18.18 lakhs in interest). Use the calculator to get the exact answer for your situation.
The normal time you have to keep your PPF account open is 15 years. You can keep extending in 5-year blocks for as long as you want after the maturity date, with or without more deposits.
No, you can't break (close early) a PPF account after 5 years in most cases. You can only close your account early after five years if you have a life-threatening illness, are going back to school, or have moved (with a 1% interest penalty).
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