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SIP / PPF / EPF Calculator

Calculate Indian investment returns — monthly SIP, PPF with 15-year maturity, and EPF employee provident fund projections. All calculations are local with no data uploads.

100% Local Browser Native

How to Use the SIP / PPF / EPF Calculator

1. Fill the inputs

Enter monthly amount, expected annual return, and years.

2. Read the maturity value

Check the maturity value with invested-vs-gains split.

3. Compare scenarios

Re-run with last month's figures for a reality check against this month's plan.

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Frequently Asked Questions

What investment types does it calculate?

SIP (Systematic Investment Plan) with monthly contributions, PPF (Public Provident Fund) with 15-year maturity, and EPF (Employee Provident Fund) with employer contribution projections.

What are the current interest rates used?

The calculator uses the latest announced rates: SIP returns are based on assumed annual returns (typically 10-12%), PPF at 7.1% (as of latest GOI notification), and EPF at 8.25%.

Can I compare SIP vs lumpsum?

Monthly SIP only — there is no lumpsum mode. The SIP tab takes monthly amount (₹100–5L), expected return (1–30%), and duration (1–40 years) with 4 presets (Conservative 5k/8%/10yr, Moderate 10k/12%/15yr, Aggressive 25k/15%/20yr, Short Term 15k/10%/3yr), a growth chart, year-by-year table, and CSV export.

Does PPF include the 15-year lock-in?

No lock-in logic — years are freely settable (presets at 15 and 25). The PPF tab compounds yearly deposits (₹500–1.5L caps enforced, 4 presets: Starter 6k, Standard 60k, Maximum 1.5L, Extended 60k/25yr) at your rate (default 7.1%); EPF splits 12% employee, 3.67% employer EPF, 8.33% EPS at 8.25% interest with the ₹15,000 EPS cap.

When using SIP / PPF / EPF Calculator, is my financial data stored?

No. All calculations run locally in your browser. No investment data is transmitted or stored.

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Last updated October 2026