📅 PPF Calculator with Yearly Different Amount
Plan your PPF investment with full flexibility. Enter different deposit amounts for each of the 15 years and get an accurate estimate of your total maturity value, year-wise interest, and tax-free returns. Perfect for real-life scenarios where your contribution changes annually.
🧮 Enter Deposits for Each Year
| Year | Deposit (₹) |
|---|
🧠 How PPF Interest Works (and Why It’s Tax-Free)
The Public Provident Fund (PPF) is a government-backed savings scheme that offers guaranteed returns, tax deductions under Section 80C, and completely tax-free interest. It’s ideal for long-term, low-risk saving.
- Tenure: Fixed for 15 years (can be extended in blocks of 5 years).
- Deposits: Minimum ₹500 and maximum ₹1.5 lakh per year.
- Interest: Compounded annually and credited at the end of each financial year.
- Flexibility: You can deposit in lump sum or in installments throughout the year.
- Safety: Backed by the Government of India.
This calculator helps you see how your variable yearly deposits impact your maturity value — something most tools don’t offer. Use it to plan smarter and maximize your tax-free returns.
❓ Frequently Asked Questions
💡 Can I invest different amounts each year in PPF?
Yes, PPF allows flexibility. You can deposit anywhere between ₹500 and ₹1.5 lakh in a financial year. This calculator helps you simulate different amounts across 15 years.
📈 How is interest calculated on PPF?
Interest is compounded annually and credited at the end of the financial year. It’s calculated monthly but applied on the lowest balance between the 5th and last day of the month.
🧾 Is PPF interest taxable?
No. PPF falls under the EEE (Exempt-Exempt-Exempt) category, meaning your contributions, interest earned, and maturity amount are all tax-free.
📅 Can I skip a year or pause PPF deposits?
You can skip a year, but your account will become inactive. You’ll need to pay a penalty plus missed deposits to reactivate it. Consistent contributions are ideal for compounding.
This PPF calculator with yearly different amount lets you plan your investments flexibly—ideal for those whose savings vary from year to year. Unlike fixed deposit calculators, this tool supports real-life inputs and shows you a clear, year-wise breakdown of your PPF maturity value. Completely tax-free and accurate.
Easily adjust your inputs, view compounding effects, and make informed choices about your future savings. Whether you deposit ₹500 or ₹1.5 lakh per year, this tool gives you clarity that traditional calculators lack.
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