Post Office PPF Calculator

Post Offices in India exists since 1854 and have had a major influence on all the citizens in India since then. The Department of Post offers various schemes and policies which include a popular Government-backed investment scheme called Public Provident Fund or PPF. The Post Office PPF Calculator helps in the easy computation of PPF returns that the account holder will receive after the tenure completion.

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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?

Public Provident Fund or PPF is an old-school investment scheme in which an investor can attain decent returns on their investment and create a financial corpus with minimum risk involved. PPF was introduced in the year 1968 by the National Saving Institute of the Ministry of Finance that is under the Central Government of India.

A savings plus investment plan, Public Provident Fund allows the investors to build a substantial financial corpus by offering guaranteed returns. It is important to know that PPF interest rates are revised every quarter by the Government of India and are common for all the centralized private and public sector banks across the country. The current Public Provident Fund Interest Rate is 7.1% annually. With benefits like Tax Return, loan facility, partial withdrawals, risk-free guaranteed returns, etc. investing in PPF is extremely safe and highly recommended for low-risk taking investors. PPF Calculator helps in the accurate calculation of year-wise returns easily in just the friction of seconds.

PPF comes with a 15-year lock-in period, that is, one can avail of PPF return benefits only after the completion of the 15-year lock-in period. However, an investor is allowed to partially withdraw the deposits after the 7th year which is subject to conditions. Also, the investor can extend the lock-in period for 5-year after the 15-year maturity period. The main reason for PPF investment is the attractive tax benefits offered under Section 80C of the Income Tax Act, 1961.

What is Post Office PPF Calculator and how is it Useful?

Post Office Public Provident Fund is a free online financial tool that helps in the easy and hassle-free computation of PPF related calculations within seconds. The 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.

Post Office PPF Calculator benefits the investor in the following ways:

  • Gives you a clear understanding of how much should be invested to achieve the desired outcome.

  • Calculates and predicts the total amount an investor will invest till the end of the tenure based on current investments made.

  • Calculates the total interest earned at the time of maturity.

  • Total amount to be received at the time of maturity.

How to Use Post Office PPF Calculator?

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

  • Drag the slider to enter the monthly invested amount in the Post Office PPF account

  • PPF Rate of Interest is generally auto-filled in the calculator

  • Drag the slider to the total years of investments made in the PPF account

  • Post Office PPF Calculator will instantly calculate the total investment amount, interest earned till date, and maturity amount at the end of the tenure

Post Office Public Provident Fund Calculator Formula

The following compounded formula is used for the computation of Post Office PPF maturity value:

F = P [({(1+ i) ^ n} – 1) / i]

The elaboration:

F = Maturity value of the Public Provident Fund

P = The annual installments made throughout the tenure

i = Rate of Interest

n = Total number of years

Advantages of Post Office PPF Calculator

Some of the advantages of using a Post Office PPF Calculator are:

  • Hassle-free results in comparison to manual calculations.

  • Safest investment option for low risk-taking investors.

  • Accurate results with minimum basic details.

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


  • Q. How accurate is the PPF Calculator?

    A. Ans: 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.
  • Q. How much returns to expect after the completion of 15 years of PPF years?

    A. Ans: 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.
  • Q. Can the PPF amount be withdrawn before 5 years?

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

    A. Ans: 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.
  • Q. How many contributions can be made to my Post Office PPF Account in a year?

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

    A. Ans: 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
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