PPF Calculator

Prepared by: Karthikeyan Chellappa

Choose your investment frequency
and the investment amount

Input Parameters
Investment Frequency
Annual
Investment Amount
745

Calculations
PPF Interest Rate

Year 1
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 2
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance

Year 3
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 4
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 5
Month
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec

Deposit
745
0
0
0
0
0
0
0
0

Jan
Feb
Mar
Year End Balance

0
0
0

Year 6
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 7
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 8
Month
Apr
May
Jun
Jul

Deposit
745
0
0
0

Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Year End Balance

0
0
0
0
0
0
0
0

Year 9
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 10
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 11

Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 12
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 13
Month
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan

Deposit
745
0
0
0
0
0
0
0
0
0

Feb
Mar
Year End Balance

0
0

Year 14
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance
Year 15
Month
Deposit
Apr
745
May
0
Jun
0
Jul
0
Aug
0
Sep
0
Oct
0
Nov
0
Dec
0
Jan
0
Feb
0
Mar
0
Year End Balance

PPF Calculator

y: Karthikeyan Chellappa
The maturity amount is what you
will get after 15 years

Calculations
Rate

8.70%

Year 1
Balance

Interest
745
745
745
745
745
745
745
745
745
745
745
745
810

Year 2
Balance

5
5
5
5
5
5
5
5
5
5
5
5

Interest
1,555
1,555
1,555
1,555
1,555
1,555
1,555
1,555
1,555
1,555
1,555
1,555
1,691

11
11
11
11
11
11
11
11
11
11
11
11

Output Values
Maturity Amount
23,232

Year 3
Balance

Interest
2,436
2,436
2,436
2,436
2,436
2,436
2,436
2,436
2,436
2,436
2,436
2,436
2,648

Year 4
Balance

18
18
18
18
18
18
18
18
18
18
18
18

Interest
3,393
3,393
3,393
3,393
3,393
3,393
3,393
3,393
3,393
3,393
3,393
3,393
3,688

Year 5
Balance

25
25
25
25
25
25
25
25
25
25
25
25

Interest
4,434
4,434
4,434
4,434
4,434
4,434
4,434
4,434
4,434

32
32
32
32
32
32
32
32
32

4,434
4,434
4,434
4,819
Year 6
Balance

32
32
32

Interest
5,565
5,565
5,565
5,565
5,565
5,565
5,565
5,565
5,565
5,565
5,565
5,565
6,049

Year 7
Balance

40
40
40
40
40
40
40
40
40
40
40
40

Interest
6,794
6,794
6,794
6,794
6,794
6,794
6,794
6,794
6,794
6,794
6,794
6,794
7,385

Year 8
Balance

49
49
49
49
49
49
49
49
49
49
49
49

Interest
8,130
8,130
8,130
8,130

59
59
59
59

8,130
8,130
8,130
8,130
8,130
8,130
8,130
8,130
8,838
Year 9
Balance
9,583
9,583
9,583
9,583
9,583
9,583
9,583
9,583
9,583
9,583
9,583
9,583
10,417

59
59
59
59
59
59
59
59

Interest
69
69
69
69
69
69
69
69
69
69
69
69

Year 10
Balance
Interest
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
11,162
81
12,133
Year 11

Balance
Interest
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
12,878
93
13,999
Year 12
Balance
Interest
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
14,744
107
16,027
Year 13
Balance
Interest
16,772
122
16,772
122
16,772
122
16,772
122
16,772
122
16,772
122
16,772
122
16,772
122
16,772
122
16,772
122

16,772
16,772
18,231

122
122

Year 14
Balance
Interest
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
18,976
138
20,627
Year 15
Balance
Interest
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
21,373
155
23,232

23232

PPF Tracker
Enter data only in green cells

Balance on March 31st of current year

Set as zero for new accounts

* For existing account, "Year 1"

simply refers to first year of tracking

Year 1*
Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 2
Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance

Loan available for new accounts

Amount available
15706.875

Loan available for new accounts

Amount available
32780.248

Loan available for new accounts

Amount available
51339.005

Year 3
Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 4
Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 5
Month
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec

Deposit
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000

Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Loan available for new accounts
Amount available
71512.373

Year 6
Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance

Loan available for new accounts

Amount available
93440.825

Year 7

Withdrawal limit

143024.75

Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 8

Withdrawal limit

186881.65

Month
Apr
May
Jun
Jul

Deposit
5,000
5,000
5,000
5,000

Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 9

Withdrawal limit

234554.1

Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 10

Withdrawal limit

286374.06

Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 11

Withdrawal limit

Withdrawal limit

342702.35

403931.21

Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 12
Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 13

Withdrawal limit

470486.97

Month
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan

Deposit
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000

Feb
5,000
Mar
5,000
Year End Balance
Year 14

Withdrawal limit

542833.09

Month
Deposit
Apr
5,000
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
Oct
5,000
Nov
5,000
Dec
5,000
Jan
5,000
Feb
5,000
Mar
5,000
Year End Balance
Year 15

Month
Deposit
Apr
5,000
Withdrawal limit
621473.32
May
5,000
Jun
5,000
Jul
5,000
Aug
5,000
Sep
5,000
If you wish to extend the PPF account for a block
Oct
5,000
of 5 years, copy the cells within the red rectangle
Nov
5,000
select cell H252 (one line space between years) and Dec
5,000
paste. Change the entires in the interest rate
Jan
5,000
column to refelct the new interest rate.
Feb
5,000
Send me an email if you need assistance
Mar
5,000
Year End Balance

PPF Tracker

March 31st of current year

or new accounts

Year 1*
Balance
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
55,000
60,000
62,828

Interest

PPF Interest Rate

36
8.70%
73 PPF investment limit
109
150000
145
181
218
254
290
326
363
399
435

Year 2
Balance
Interest
PPF Interest Rate
67,828
492
8.70%
72,828
528 PPF investment limit
77,828
564
150000
82,828
600
87,828
637
92,828
673
97,828
709
102,828
745
107,828
782
112,828
818
117,828
854
122,828
890
131,121

Year 3
Balance
Interest
PPF Interest Rate
136,121
987
8.70%
141,121
1,023 PPF investment limit
146,121
1,059
150000
151,121
1,096
156,121
1,132
161,121
1,168
166,121
1,204
171,121
1,241
176,121
1,277
181,121
1,313
186,121
1,349
191,121
1,386
205,356
Year 4
Balance
Interest
PPF Interest Rate
210,356
1,525
8.70%
215,356
1,561 PPF investment limit
220,356
1,598
150000
225,356
1,634
230,356
1,670
235,356
1,706
240,356
1,743
245,356
1,779
250,356
1,815
255,356
1,851
260,356
1,888
265,356
1,924
286,049
Year 5
Balance
Interest
PPF Interest Rate
291,049
2,110
8.70%
296,049
2,146 PPF investment limit
301,049
2,183
150000
306,049
2,219
311,049
2,255
316,049
2,291
321,049
2,328
326,049
2,364
331,049
2,400

336,049
341,049
346,049
373,763

2,436
2,473
2,509

Year 6
Balance
Interest
PPF Interest Rate
378,763
2,746
8.70%
383,763
2,782 PPF investment limit
388,763
2,819
150000
393,763
2,855
398,763
2,891
403,763
2,927
408,763
2,964
413,763
3,000
418,763
3,036
423,763
3,072
428,763
3,109
433,763
3,145
469,108
Year 7
Balance
Interest
PPF Interest Rate
474,108
3,437
8.70%
479,108
3,474 PPF investment limit
484,108
3,510
150000
489,108
3,546
494,108
3,582
499,108
3,619
504,108
3,655
509,108
3,691
514,108
3,727
519,108
3,764
524,108
3,800 Amount Withdrawn
529,108
3,836
572,748
Year 8
Balance
Interest
PPF Interest Rate
577,748
4,189
8.70%
582,748
4,225 PPF investment limit
587,748
4,261
150000
592,748
4,297

597,748
602,748
607,748
612,748
617,748
622,748
627,748
632,748
685,405

4,334
4,370
4,406
4,442
4,479
4,515
4,551 Amount Withdrawn
4,587

Year 9
Balance
Interest
PPF Interest Rate
690,405
5,005
8.70%
695,405
5,042 PPF investment limit
700,405
5,078
150000
705,405
5,114
710,405
5,150
715,405
5,187
720,405
5,223
725,405
5,259
730,405
5,295
735,405
5,332
740,405
5,368 Amount Withdrawn
745,405
5,404
807,862
Year 10
Balance
Interest
PPF Interest Rate
812,862
5,893
8.70%
817,862
5,930 PPF investment limit
822,862
5,966
150000
827,862
6,002
832,862
6,038
837,862
6,075
842,862
6,111
847,862
6,147
852,862
6,183
857,862
6,220
862,862
6,256 Amount Withdrawn
867,862
6,292
940,974
Year 11

Balance
Interest
PPF Interest Rate
945,974
6,858
8.70%
950,974
6,895 PPF investment limit
955,974
6,931
150000
960,974
6,967
965,974
7,003
970,974
7,040
975,974
7,076
980,974
7,112
985,974
7,148
990,974
7,185
995,974
7,221 Amount Withdrawn
1,000,974
7,257
1,085,666
Year 12
Balance
Interest
PPF Interest Rate
1,090,666
7,907
8.70%
1,095,666
7,944 PPF investment limit
1,100,666
7,980
150000
1,105,666
8,016
1,110,666
8,052
1,115,666
8,089
1,120,666
8,125
1,125,666
8,161
1,130,666
8,197
1,135,666
8,234
1,140,666
8,270 Amount Withdrawn
1,145,666
8,306
1,242,947
Year 13
Balance
Interest
PPF Interest Rate
1,247,947
9,048
8.70%
1,252,947
9,084 PPF investment limit
1,257,947
9,120
150000
1,262,947
9,156
1,267,947
9,193
1,272,947
9,229
1,277,947
9,265
1,282,947
9,301
1,287,947
9,338
1,292,947
9,374

1,297,947
1,302,947
1,413,910

9,410 Amount Withdrawn

9,446

Year 14
Balance
Interest
PPF Interest Rate
1,418,910
10,287
8.70%
1,423,910
10,323 PPF investment limit
1,428,910
10,360
150000
1,433,910
10,396
1,438,910
10,432
1,443,910
10,468
1,448,910
10,505
1,453,910
10,541
1,458,910
10,577
1,463,910
10,613
1,468,910
10,650 Amount Withdrawn
1,473,910
10,686
1,599,748
Year 15
Balance
Interest
PPF Interest Rate
1,604,748
11,634
8.70%
1,609,748
11,671 PPF investment limit
1,614,748
11,707
150000
1,619,748
11,743
1,624,748
11,779
1,629,748
11,816
1,634,748
11,852
1,639,748
11,888
1,644,748
11,924
1,649,748
11,961
1,654,748
11,997 Amount Withdrawn
1,659,748
12,033
1,801,754

Goal Calculator
Determine the fixed investment need to obtain a certina maturity value
Step 1

Enter maturity value required

Step 2

Go to PPF Calculator sheet. Select investment frequency and the interest rate

Step 3

23,232 Enter current investment limit

Click on me!

Fixed investment amount for the selected is

745

150,000