Post Office PPF calculator

What Is Post Office PPF Calculator?

A PPF calculator is an online tool that helps estimate the maturity value of your Public Provident Fund by considering your yearly investment, interest rate, and investment period. It simplifies planning by showing potential returns, helping you make informed saving decisions.

How Can Post Office PPF Calculator Help You?

The PPF post office calculator estimates the maturity value for a given amount invested in PPF. Estimating the returns earned at the end of the investment period helps you gain insight into whether the chosen investment option optimally aligns with your financial goals, thus negating your need to engage in complicated manual calculations.

How Does Post Office PPF Calculator Work?

You can follow the easy steps mentioned below to use the PPF calculator and calculate expected returns from post office PPF investments accurately:

• Select the frequency of investment
• Enter the monthly PPF investment
• Select the investment duration

Once you enter all the above details, our calculator will automatically calculate the maturity amount. 

Formula For Post Office PPF Calculator

The Post Office PPF Returns can be calculated using the following formula:

M = P [({(1+ i) ^ n} – 1) / i]

Where,

• M = Total maturity value by the end of the investment period
• P = Amount of money contributed annually to the PPF account
• i = PPF interest rate in post office
• n = Total number of years until maturity

Example For Post Office PPF Calculation

Let us assume you invest Rs 1.5 lakh a year at a 7.1% interest rate. Given below is the detailed calculation for the same: 

Initial Investment: 15 Years

• Annual Investment = ₹1,50,000
• Interest Rate = 7.1% (compounded annually)
• Duration = 15 years

Total Contribution = ₹1,50,000 × 15 = ₹22,50,000
Interest Earned = ₹18,18,209
Maturity Amount = ₹22,50,000 + ₹18,18,209 = ₹40,68,209

First Extension: 5 Years

• Additional Contribution = ₹1,50,000 × 5 = ₹7,50,000
  Total Investment So Far = ₹22,50,000 + ₹7,50,000 = ₹30,00,000
  Interest Earned = ₹36,58,288 (total including past and new)
  Maturity Amount = ₹30,00,000 + ₹36,58,288 = ₹66,58,288

Second Extension: Another 5 Years 

Additional Contribution = ₹1,50,000 × 5 = ₹7,50,000
Total Contribution Over 25 Years = ₹30,00,000 + ₹7,50,000 = ₹37,50,000
Interest Earned = ₹65,58,015 (total including past and new)
Final Corpus = ₹37,50,000 + ₹65,58,015 = ₹1,03,08,015

Benefits Of Post Office PPF Calculator

Here’s why you should use a PPF calculator:

• Plan smartly: See how your PPF grows to align with goals like retirement or education.
• Compare returns: Weigh PPF against FDs and other options for better decisions.
• Maximise limit: Use the ₹1.5 lakh limit wisely by choosing the right deposit frequency.
• Track growth: Stay motivated by monitoring your PPF’s progress over time.

Post Office PPF Interest Rate

Post office PPF is a government-backed scheme. The interest rate is maintained uniformly across all post offices and banks that offer the scheme. The current applicable post office PPF interest rate is 7.1% for Q3 of FY2526 (July-September 2025). Overall, the PPF rates have remained unchanged since April 2020.

Tax Benefits Of Post Office PPF Investments

The Post Office PPF investment scheme falls under the Exempt-Exempt-Exempt (EEE) category, where deposits, interest earned, and the maturity amount are tax-free. That means that you can claim a tax exemption under Section 80C of the Income-Tax Act (ITA), 1961, on investment of up to a maximum limit of Rs 1.5 lakh annually, tax exemption on interest earned, and the amount received on maturity.

A PPF calculator simplifies long-term financial planning by helping you estimate returns, compare options, and stay on track with your goals. It's a valuable tool to make the most of your ₹1.5 lakh annual investment and build a secure financial future.