PPF Calculator

Results:
Interest Schedule
Year Yearly Investment Interest Earned Total Amount

Public Provident Fund (PPF) Calculator – Plan Your Long-Term Savings

The Public Provident Fund (PPF) is one of the most preferred long-term investment options in India due to its tax benefits and guaranteed returns. Our PPF Calculator helps you estimate the maturity amount and interest earnings over the tenure of your investment.

Use this tool to plan your retirement savings and maximize your financial security.

What is a PPF Calculator?

The PPF Calculator is an online tool designed to compute the maturity amount and total interest earned on your PPF account. It considers factors such as:

  • Annual investment amount
  • Applicable interest rate
  • Investment tenure (Minimum 15 years, extendable in blocks of 5 years)

This tool saves time and provides precise results for better financial planning.

How to Calculate PPF Maturity Amount?

PPF interest is compounded annually and follows the formula:

A = P × [(1 + r)^n - 1] / r

Where:

  • A = Maturity Amount
  • P = Annual Investment
  • r = Annual Interest Rate (as a decimal)
  • n = Number of years (Minimum 15 years)

The government revises the PPF interest rate quarterly.

Example of PPF Calculation

Suppose you invest ₹1,50,000 annually in a PPF account at an interest rate of 7.1% per annum for 15 years.

Step-by-Step Calculation:

  • Annual Deposit (P) = ₹1,50,000
  • Annual Interest Rate (r) = 7.1% = 0.071
  • Tenure (n) = 15 years

Using the formula, the maturity amount will be approximately ₹40,68,209.

Benefits of Investing in PPF

  • Tax Benefits: Investments qualify for tax deductions under Section 80C.
  • Risk-Free Returns: Government-backed investment with stable interest rates.
  • Long-Term Wealth Creation: Ideal for retirement and long-term goals.
  • Flexible Investment: Minimum deposit of ₹500 and maximum of ₹1,50,000 per year.
  • Loan and Partial Withdrawal: Loan facility available after 3 years and partial withdrawal allowed after 6 years.

How to Use the PPF Calculator?

  1. Enter the annual investment amount.
  2. Select the interest rate (as per current government rate).
  3. Choose the investment tenure (minimum 15 years).
  4. The calculator will instantly display the estimated maturity amount and total interest earned.

Frequently Asked Questions (FAQs)

The minimum deposit is ₹500 per year, and the maximum deposit is ₹1,50,000 per year.

Yes, PPF accounts can be extended in blocks of 5 years with or without additional contributions.

No, the interest earned on PPF is completely tax-free.

Partial withdrawals are allowed after 6 years, and full withdrawal is allowed after 15 years.

Conclusion

The PPF Calculator is an essential tool to estimate your savings growth and plan your financial future effectively. With its tax-free interest and government backing, PPF remains one of the best long-term investment options.

Start investing in PPF today and secure your financial future!