PPF Calculator
Calculate Public Provident Fund (PPF) maturity amount, interest earnings, and investment planning for 15-year lock-in period with tax benefits.
PPF Calculation Results
PPF Investment Summary:
Returns Analysis:
About
Our PPF Calculator helps investors plan their Public Provident Fund investments with accurate maturity projections, tax benefit calculations, and extension planning for long-term wealth creation.
Why Choose
Comprehensive PPF calculations including maturity planning, target-based investments, extension benefits analysis, and partial withdrawal impact assessment with current interest rates.
Features
Calculate PPF maturity amounts, plan target-based investments, analyze extension benefits, assess withdrawal impact, and factor in tax savings and inflation effects.
Benefits
Optimize PPF investments, plan retirement corpus, maximize tax savings under Section 80C, make informed extension decisions, and understand real returns after inflation.
Select Calculation Type
Choose from maturity calculator, target planning, extension analysis, or partial withdrawal assessment based on your PPF planning needs.
Enter Investment Details
Input annual investment amount (500-150,000), interest rate, investment pattern, age, and existing balance for accurate calculations.
Analyze PPF Returns
Review maturity projections, tax savings, real returns, and make informed decisions about PPF investments and extensions.
Frequently Asked Questions - PPF Calculator
PPF has a minimum investment of 500 per year and maximum of 150,000 per year. The mandatory lock-in period is 15 years, after which you can extend for 5-year blocks. No premature closure is allowed, but partial withdrawals are permitted from the 7th year onwards.
PPF interest is calculated on the minimum balance between the 5th and last day of each month. Interest is compounded annually and credited at the end of each financial year. For maximum benefit, invest before the 5th of each month to earn interest for the full month.
PPF offers triple tax benefit: 1) Investment deduction up to 150,000 under Section 80C, 2) Tax-free interest earnings during the investment period, 3) Tax-free maturity amount. This makes PPF one of the best EEE (Exempt-Exempt-Exempt) investment options.
Yes, loan facility is available from the 3rd to 6th year up to 25% of the balance at 1% interest. Partial withdrawal up to 50% of the balance is allowed from the 7th year onwards for specific purposes like higher education, medical treatment, or housing. Only one withdrawal per year is permitted.
Extension decision depends on your financial goals and alternative investment options. Extension benefits include continued tax-free growth and liquidity through annual withdrawals. Consider factors like current interest rates, your age, retirement needs, and availability of better investment alternatives before deciding.