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PPF Calculator Excel Sheet [DOWNLOAD]

ppf calculator excel sheet download

I have PPF Account in SBI and you can use below link to download SBI PPF Calculator Excel Sheet and track your monthly PPF interest on regular basis similar to many Indians. You can also us this online PPF calculator to check your monthly and yearly PPF interest.

PPF Calculator Excel Download

Click below button to download PPF Calculator in Excel:

Download PPF Excel

PPF Calculator Excel Sheet Download
PPF Calculator Excel Sheet Download

You can also use the online PPF calculator anytime by using below calculator link. Bookmark the PPF calculator in your browser to use it instantly:

instant calculator click here
instant calculator click here

PPF Calculator Excel Sheet Video

YouTube player

Watch more Excel Videos Here

As explained above, you can easily use PPF calculator excel sheet to calculate monthly interest and yearly compounding in PPF.

There are various Features of PPF account including:

  • Government-backed saving scheme with a lock in period of 15 years
  • Interest rates are reviewed on quarterly basis. Current PPF interest rate is 7.1% annually for April to June 2025 quarter
  • You get monthly interest and yearly compounding in PPF
  • Minimum deposit amount in a FY to keep your PPF account active is Rs. 500
  • Maximum deposit amount for which you can earn interest in PPF account is Rs. 1,50,000
  • PPF or Public Provident Fund falls under EEE category (Exempt, Exempt, Exempt), which means, the Deposits, Interest and Maturity Amounts are all exempted from Income Tax.

So it is a great scheme that helps you save your hard earned money, while gaining additional interest amounts and Income Tax Benefits.

How to use PPF Calculator Excel Sheet?

Let us understand how you can use the PPF calculator excel sheet attached above. Below are the steps:

  • Download the PPF Excel Calculator from top of this article
  • Provide existing Balance in case you already have a PPF account or else keep it as 0. Let’s assume we have balance of Rs. 50,000 currently:
PPF calculator existing balance
PPF calculator existing balance
  • Next we can provide the deposits we have made in the months displayed in column B. Let’s assume we make Rs. 10,000 deposit on 6th May and 4th July respectively. So we adjust column D (Before 5th) accordingly as shown below:
PPF Deposits before and after 5th day of month
PPF Deposits before and after 5th day of month
  • As seen above, for deposit on 6th May which is After 5th, we get interest from June month onwards, and for deposit on 4th July that is before 5th day, we get interest from July month onwards.
  • The interest is calculated on balance of PPF on or before 5th day of month which we we will see below in interest formula section.

So it is important that when you deposit in PPF, you deposit on or before 5th day of month to get more interest amount when you already have the funds to deposit.

Watch below video to know how to maximize PPF Interest

YouTube player

Watch more Excel Videos Here

What is the formula to calculate PPF Interest?

Let us now understand formula to calculate PPF interest which is very simple:

Monthly Interest = Monthly Interest Rate * Balance on or before 5th day of month / 100

– PPF monthly interest Formula

Let’s apply this formula for above screenshot of deposits made:

For April month, Balance = Rs. 50,000, monthly interest rate = 7.1% / 12 = 0.5916%

So monthly interest = 0.5916% * Rs. 50,000 / 100 = Rs. 295.83

Below is the table showing balance on or before 5th day of month and their monthly interest calculations accordingly:

MonthsBalance on 5th dayMonthly Interest RateMonthly Interest
AprilRs. 50,0000.5916%Rs. 295.83
MayRs. 50,0000.5916%Rs. 295.83
JuneRs. 60,0000.5916%Rs. 355
JulyRs. 70,0000.5916%Rs. 414.16
AugustRs. 50,0000.5916%Rs. 414.16
PPF Monthly Interst Calculations Table

Note: As explained in video, compounding in PPF happens on annual basis which means, interest earned throughout the year in PPF up to march will be added to your balance, on which you will earn more interest in upcoming years.

How much you will get after 15 years in PPF?

After 15 years in PPF, if you consistently deposit maximum Rs. 1.5 Lakh every year on or before 5th April, you will get total maturity amount = Rs. 3944599.

Below is the table showing some more stats about PPF maturity amounts on 15 years and more if you extend PPF account, considering you make maximum deposits in the month of April on or before 5th day:

TenureTotal DepositsTotal AmountReturns
15 YearsRs. 22,50,000Rs. 39,44,599Rs. 16,94,599
20 YearsRs. 30,00,000Rs. 64,55,980Rs. 34,55,980
25 YearsRs. 37,50,000Rs. 99,94,812Rs. 62,44,812
30 YearsRs. 45,00,000Rs. 1,49,81,444Rs. 1,04,81,444
PPF Returns after 15 years or more

Note that we have considered consistent interest rate of 7.1% per annum for calculations. Real numbers might differ slightly considering PPF interest rates are reviewed on quarterly basis.

Watch this video to know calculations when interest rates changes:

YouTube player

Can you have 2 PPF Accounts?

No. Only one PPF account can be maintained by an Individual, except an account that is opened on behalf of a minor.

Can you invest more than Rs. 1.5 Lakh in PPF?

Maximum Rs. 1.5 Lakh can be invested in PPF above which, the amounts will not be considered for interest calculation purpose. Also read this article on PPF to solve more queries.

Save Home Loan Interest Amount!

Use Home Loan Excel Calculator that will help you to Save Interest Amount on Home Loan EMI.
Click below button to download Home Loan EMI and Prepayment Calculator in Excel:

Download Home Loan Excel

Watch how Home Loan Calculator in Excel Works

Income Tax Calculator App – FinCalC

For Income Tax Calculation on your mobile device, you can Download my Android App “FinCalC” which I have developed for you to make your income tax calculation easy.

What you can do with this mobile App?

  • Calculate Income Tax for new FY 2024-25 and previous FY 2023-24
  • Enter estimated Investments to check income tax with Old and New Tax Regime
  • Save income tax details and track regularly
  • Know how much to invest more to save income tax
  • More calculators including PPF, SIP returns, Savings account interest and lot more
Download Income Tax Calculator APP from play store
Download Income Tax Calculator APP from play store

Some more Reading

  • Savings Account Interest Calculation Excel
  • SIP Calculation using Excel
  • EPF Calculator Excel
  • FD Calculator Excel

Use Popular Calculators:

  • Income Tax Calculator
  • Home Loan EMI Calculator
  • SIP Calculator
  • PPF Calculator
  • HRA Calculator
  • Step up SIP Calculator
  • Savings Account Interest Calculator
  • Lump sum Calculator
  • FD Calculator
  • RD Calculator
  • Car Loan EMI Calculator
  • Bike Loan EMI Calculator
  • Sukanya Samriddhi Calculator
  • Provident Fund Calculator
  • Senior Citizen Savings Calculator
  • NSC Calculator
  • Monthly Income Scheme Calculator
  • Mahila Samman Savings Calculator
  • Systematic Withdrawal Calculator
  • CAGR Calculator

I’d love to hear from you if you have any queries about Personal Finance and Money Management.

JOIN Telegram Group and stay updated with latest Personal Finance News and Topics.

Download our Free Android App – FinCalC to Calculate Income Tax and Interest on various small Saving Schemes in India including PPF, NSC, SIP and lot more.

Follow the Blog and Subscribe to YouTube Channel to stay updated about Personal Finance and Money Management topics.


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This excel helps you to compare Old Tax Regime and New Tax Regime to plan your investments and save income tax for FY 2024-25 & FY 2025-26