PPF Calculator | Calculate PPF Interest & Maturity Online

What is a PPF Calculator?

Public Provident Fund (PPF) is a popular government tax-saving investment scheme that offers risk-free, long-term investment, guaranteed returns plus tax-savings. If you want to know how much your PPF investments will yield in the long-term, the Public Provident Fund calculator can give you an accurate value.

A PPF calculator is a reliable tool to determine long-term returns on your PPF investments. You make PPF investments keeping specific financial or life goals in mind. But often, it is difficult to estimate how much to invest, for how long, and whether the maturity amount will match your expectation.

The PPF calculator shows you the maturity amount, i.e., investment plus interest. It can also help you determine the investment amount and duration required to give you the returns you require. All within seconds!

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How to use PPF calculator?

Step 1

Fill up the values

Payment frequency and investment amount.

Step 2

Toggle the duration bar

to gauge the returns earned as per the tenure.

Step 3

PPF interest rate

Calculator automatically determines the maturity value basis the prevalent interest rate (i) (Rate of interest is set by the government, every quarter, 7.1% is the current rate considered for calculating returns.)

Step 4

Select Investment duration

Maturity value is given as a breakdown of principal amount invested plus total interest earned over the tenure.

How do Retirement Calculators work?

What is the formula to calculate PPF Amount ?

The PPF interest rate calculator compounds interest annually as per the financial year, using the following formula:

F = P[({(1 + i) ^ n}-1)/i]

Where:

F = Maturity proceeds of the PPF
P = Annual instalments
n = Number of years
i = Rate of interest/100

Assuming you make an annual payment of Rs.1,00,000 for 15 years at 7.1%, your maturity value at the end of that tenure would be Rs. 31,17,276.

What are the Advantages of PPF Calculator?

Financial Planning

By accurately estimating the returns on your PPF investments, the PPF calculator gives you the confidence to plan for long term goals.

Convenience

The PPF maturity calculator helps you decide the investment tenure to get the desired returns. Post the stipulated 15-year maturity, you have the option of withdrawal or extension for up to 50 years.

Track Capital Growth

The PPF interest rate calculator automatically calculates returns basis the prevailing interest rate, saving you the bother of keeping track of changing interest rates.

Tax Planning

Deposits made in the PPF are eligible for deduction under Section 80C of the Income Tax Act subject to fulfilment of conditions stipulated in the section.

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Frequently asked questions

What is the maximum PPF limit?

Answer: You can invest a maximum of Rs. 150,000 per financial year.

Can I increase my PPF amount?

Answer: Yes, you can increase your PPF amount as long as it does not exceed Rs. 150,000 per financial year.

How much interest do we get from PPF?

Answer: The prevalent interest rate (which is government controlled) is currently at 7.1% compounded annually.

Can I transfer my PPF account to another branch or office?

Answer: Yes, you can transfer your PPF account across bank branches and post offices across the country.

What is the minimum lock-in period for PPF?

Answer: The minimum lock-in period for PPF is 15 years.

What happens to PPF after 15 years?

Answer: Upon completion of 15 years, the entire investment amount and interest can be credited to your savings account. Alternatively, you can extend the investment for up to 50 years in blocks of 5 years, with or without fresh deposits.