PPF Calculator
Calculate your Public Provident Fund returns with flexible deposit options and validated simulation
Investment Details
PPF Features:
- • 15-year lock-in period (configurable)
- • Simulation supports monthly-accurate compounding
- • Tax-free returns (EEE status) — country-specific
- • Partial withdrawal after 7 years (not modeled here)
PPF Results
Yearly Breakdown
Disclaimer
These are computer-generated calculations for informational purposes only. Actual returns may vary based on government policy changes and interest rate fluctuations. Please consult with a financial advisor before making investment decisions. The calculations may not be 100% accurate and should not be the sole basis for financial planning.
What is PPF Calculator?
A PPF (Public Provident Fund) calculator helps you estimate the maturity amount, total interest earned, and yearly growth of your PPF investment over the selected lock-in period. This tool supports monthly-accurate compounding and flexible contribution schedules.
Essential for retirement planning, tax saving under applicable laws, and building a long-term corpus with guaranteed returns and tax-free maturity benefits where applicable.
PPF Investment Rules & Benefits
Investment Limits
Check local minimum and maximum investment limits. You can invest in lump sum or installments throughout the year. This tool allows capping yearly contributions.
Lock-in Period
Default 15 years mandatory lock-in with option to simulate different tenures. Partial withdrawal allowed after 7 years in real accounts (not modeled here).
Tax Benefits (EEE Status)
Investment may qualify for local tax benefits — check local regulations.
PPF vs Other Investment Options
PPF vs EPF
PPF offers higher liquidity options and continues post-retirement, while EPF is employer-linked with higher contribution limits.
PPF vs NSC
PPF has longer tenure but tax-free returns, while NSC has 5-year tenure with taxable interest income.
PPF vs ELSS
PPF offers guaranteed returns with no market risk, while ELSS has potential for higher returns but with market volatility.
Frequently Asked Questions
Can I withdraw money from PPF before 15 years?
Partial withdrawal up to 50% of balance is allowed after 7 years for specific purposes in many jurisdictions. Check your provider's rules.
What happens if I don't invest the minimum amount?
Account may become dormant with penalties for non-contribution. Check with your provider for reactivation requirements.
Can I have multiple PPF accounts?
No, rules typically restrict to one PPF account per individual. However, you can open accounts for minor children as their guardian.