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.
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.
You can follow the easy steps mentioned below to use the PPF calculator and calculate expected returns from post office PPF investments accurately:
Once you enter all the above details, our calculator will automatically calculate the maturity amount.
The Post Office PPF Returns can be calculated using the following formula:
M = P [({(1+ i) ^ n} – 1) / i]
Where,
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
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
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
Here’s why you should use a PPF calculator:
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.
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.