Post Office PPF Calculator

The Public Provident Fund (PPF) is a long-term savings scheme launched by the Government of India. Post Offices in India offer a convenient way to invest in the PPF scheme. You can use the Post Office PPF Calculator to easily calculate returns on your investments.

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Post Office PPF Calculator
  • Monthly
  • Yearly

Monthly Investment

₹500 ₹12.5K
Enter Monthly Investment

PPF Rate of Interest (Yearly)

Rate of Interest (Yearly)

Time Period

15 Years 50 Years
Enter Time Period
Total Investment
Interest Earned
Maturity Amount

What is PPF and How It Works?

The Public Provident Fund (PPF) is a government-backed savings scheme designed to encourage long-term savings among Indian citizens. Individuals deposit a fixed amount annually, and the government offers attractive interest rates, compounded annually. PPF accounts have a maturity period of 15 years, and investors have the option to extend in blocks of 5 years. 

The scheme falls under the EEE (Exempt-Exempt-Exempt) tax category, providing tax benefits on the principal, interest, and maturity amounts. The interest rates are fixed quarterly by the Ministry of Finance. Currently, PPF offers an interest rate of 7.1% compounded annually. PPF is a reliable and popular investment choice for those seeking stability and tax advantages.

Post Office PPF Calculator

PPF Calculator Post Office is a free online financial tool that helps in the easy and hassle-free computation of PPF related calculations within seconds. The Post Office PPF Calculator helps in calculating the yearly returns that an investor can earn by contributing a fixed amount for a fixed period of time. It is important to note that the PPF account comes with a tenure of 15 years and cannot be closed before the lock-in period except in certain cases.

The compounded formula that is used for the computation of PPF maturity value
F = P [({(1+ i) ^ n} – 1) / i]
Terms used in Post Office PPF Calculator
Maturity value of the Public Provident Fund
The annual installments made throughout the tenure
Rate of Interest
Total number of years

How to Use Policybazaar’s Postal PPF Calculator?

Post Office PPF Calculator is a simple and easy-to-use tool financial tool that calculates returns by following these simple steps:

  • Enter the monthly contribution you wish to invest.

  • The PPF interest rate should be pre-filled in the calculator.

  • Specify the investment duration for your PPF account.

  • Once these details are input, the calculator will present the overall investment, accrued interest, and the total amount at maturity.

Explore other investment options on Policybazaar to discover plans with attractive returns.

Benefits of Using the Post Office PPF Calculator

The benefits of using a Post Office PPF Calculator are:

  • Hassle-free results in comparison to manual calculations.

  • Accurate results with minimum basic details.

  • Guides how much investment should be made to achieve a desirable maturity amount.


  • How much will I get after 15 years in PPF?

    The amount you will get after 15 years in PPF depends on your monthly contribution and the interest rate. Assuming an interest rate of 7.1% p.a., you will get approximately Rs. 2,21,943 after 15 years if you invest Rs. 5000 every year.
  • What if I invest 5000 every month in PPF?

    If you invest Rs. 5000 every month in PPF, you will get approximately Rs. 2,91,180.73 after 15 years.
  • Can I have 2 PPF accounts?

    No, you cannot have two PPF accounts under your own name. However, you can open a PPF account for your minor child.
  • Can we extend PPF after 15 years?

    Yes, you can extend your PPF account after 15 years in blocks of 5 years. To extend your PPF account, you need to submit a form at your PPF account office.
  • How accurate is the PPF Calculator?

    PPF Calculator helps the investor identify the estimated returns receivable at the end of the policy tenure based on the current interest rates. It is known that interest rates on PPF keep on changing every quarter and hence results at the end may vary from the calculated returns.
  • How much returns to expect after the completion of 15 years of PPF years?

    The principal amount of investment plus the interest earned throughout the PPF tenure is the returns an investor should expect at the end of the 15-year PPF tenure.
  • Can the PPF amount be withdrawn before 5 years?

    No. Partial withdrawals can be made only after the 7th year of the Public Provident Fund that is subject to certain conditions.
  • What are the minimum and maximum limits of investment in the PPF account?

    The minimum amount an investor needs to add annually in their PPF account is Rs. 500 whereas the maximum amount that can be invested in a year is Rs. 1,50,000.
  • How many contributions can be made to my Post Office PPF Account in a year?

    A maximum of 12 contributions can be made in a year and the amount shall not increase Rs. 1.5 lakhs.
  • What is the Post Office PPF account tenure?

    In general, the PPF account comes with a 15-year tenure. However, it can be extended in a series of 5 years after the 15-year maturity period.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
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