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PPF Calculator & Yearly Planner with Extensions (Excel)
See your PPF balance year by year using the real rule (interest on the lowest balance after the 5th), plan each year's deposit, and know exactly how much you can withdraw or borrow in any year.
₹149₹349Save ₹200 (57%)
Inclusive of all taxes · One-time payment · Instant download
1 offer for you
Instant downloadOn screen + email
Secure paymentUPI · Cards · Net Banking
7-day helpFix or refund if faulty
Perfect for
PPF account holders planning yearly depositsParents saving for children through PPFAnyone checking withdrawal or loan eligibility
What you get2 × .xlsx (blank + sample)
Works withMicrosoft Excel · Google Sheets · WPS Office
DeliveryInstant download
LicencePersonal & own-business use
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Most PPF calculators assume you deposit ₹1.5 lakh on 1 April every year. Real life is a ₹50,000 top-up in July and the rest in March. That difference changes your maturity amount, and this planner shows it.
What it does
- 25 years laid out: the 15-year term and two 5-year extensions
- Deposit month for each year: interest is worked out for the months your money actually earned
- Rate per year, so past years use the rate that applied and future years use today's rate
- Withdrawal limit from year 7 and loan limit in years 3 to 6, following PPF rules
- Summary with balance at 15, 20 and 25 years, total deposits and tax-free interest, plus a chart
- Over-limit warning if a year's deposit crosses ₹1,50,000
Why it's worth planning
Depositing ₹1.5 lakh by 5 April instead of in March earns almost a full extra year of interest on that money. Over 15 years that adds up to tens of thousands of rupees.
What's inside
Everything you get
01
PPF Years
25 years with deposit month and rate
02
Withdrawal & loan limits
Worked out every year
03
Summary
Balance at 15, 20 and 25 years with chart
04
Blank + sample
Sample shows an account opened in 2022
Files in your download
- XLSXPPF_Calculator_Yearly_Planner.xlsx16 KB
- XLSXPPF_Calculator_Yearly_Planner_SAMPLE.xlsx16 KB
How to use
Start in 5 simple steps
A step-by-step guide is also included inside your download.
- 1
Set the start year
And today's rate
- 2
Type deposits
Amount and month
- 3
Fix past rates
If they were different
- 4
Check limits
Before withdrawing or borrowing
- 5
Plan extensions
See years 16 to 25
FAQ
Questions about this product
Why does the deposit month matter?
PPF pays interest on the lowest balance between the 5th and the end of each month. Money deposited after the 5th earns nothing for that month.
Is PPF interest taxable?
No. PPF is in the exempt category: deposits qualify for the old regime deduction, and interest and maturity are tax-free.
Can I extend PPF after 15 years?
Yes, in blocks of 5 years, with or without new deposits. The planner shows both extensions.
How is the withdrawal limit worked out?
From year 7, up to 50% of the lower of the balance at the end of the 4th year before, or the year just before.
What rate should I use?
The current rate for future years (7.1% for October to December 2026). For past years type the rate that applied.
How do I get the files after payment?
A download button appears on screen right after payment, and the link is emailed to you. You can also download again any time from My account.
Can I use it on my phone?
Yes. It works with Microsoft Excel, Google Sheets, WPS Office. Free mobile apps are enough.
What if something does not work?
Write to us within 7 days with your order number. We will fix it, send a working file, or refund you.
Our promiseEvery file is tested before launch. If something doesn't work, we fix it or refund you within 7 days. Refund policy
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