PPF Calculator
Maximize PPF with Flexible Planning
The Public Provident Fund (PPF) is a government-backed, tax-saving investment for secure wealth creation. Our PPF Calculator estimates your maturity amount, interest earned, and loan or withdrawal eligibility based on monthly contributions, investment duration, and PPF interest rate. Whether you’re saving for retirement or emergencies, this tool helps you plan with precision.
Start by entering your monthly contribution, like ₹5,000 within the ₹41.67-₹12,500 range (₹500-₹1,50,000 yearly). Input the investment duration, typically 15 years or extended, and the interest rate, say 7.1% (current as of 2025). Select loan (3rd to 6th year) or withdrawal (after 7th year) eligibility if needed. The calculator shows your maturity amount, invested sum, interest, and loan/withdrawal eligibility, guiding your PPF strategy.
Your PPF grows with discipline. For example, ₹5,000 monthly (₹60,000 yearly) at 7.1% for 15 years yields ₹16,27,283, with ₹9,00,000 invested and ₹7,27,283 interest. Extend to 20 years, and it grows to ₹25,05,777. Increase to ₹10,000 monthly, and 15 years yields ₹32,54,567. After 7 years, you could withdraw ₹3,03,075 (50% of year 3 balance). Test scenarios—perhaps ₹8,000 monthly for 18 years—to optimize returns or liquidity.
Smart PPF planning balances growth and flexibility. Contribute up to ₹1,50,000 yearly for Section 80C deductions and tax-free interest. Use loans (3rd to 6th year, 25% of 2nd preceding year’s balance) for emergencies, repayable at 1-2% interest. Withdraw 50% after 7 years for major expenses, or extend beyond 15 years for compounding. Compare PPF’s 7.1% to FDs (5-6%) for safety or equity (10-12%) for growth. Consult a financial advisor for contribution schedules, withdrawals, or extensions.
Your PPF deserves strategic foresight. This calculator turns monthly savings into a secure future. As of April 2025, with stable rates and rising costs, starting early is key. Input your details, tweak the variables, and build your tax-free corpus. Let this tool guide you toward financial security, ensuring every rupee grows with purpose.