PPF Calculator

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PPF Calculator

If you're thinking about managing your money wisely, start by saving up. There are many types of savings accounts out there, but you want to focus on ones that offer good returns without risking your money. One popular option is a PPF account, which stands for Public Provident Fund.

PPF accounts are great for new employees or parents looking to save for the future. They offer steady returns, but figuring out exactly how much interest you'll earn can be tricky. That's where a PPF account calculator comes in handy. It helps you easily calculate your potential earnings on your PPF account.

What is a PPF Calculator?

A Public Provident Fund (PPF) calculator helps you figure out how much money you'll have in your PPF account over time. It tracks the growth of your savings, taking into account the changing interest rates, which are updated monthly. If you have a PPF account, this tool makes it simple to stay updated on your account's progress and see how your money is growing.

How is PPF interest calculated?

The interest on a Public Provident Fund (PPF) is compounded annually. The formula for calculating the maturity proceeds (F) of the PPF is:

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


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

Benefits of Using PPF Calculator

Here are some benefits of using PPF calculator online:

  • Low risk: PPF is government-backed.
  • Easy access: Available at nationalized banks, public banks, post offices, and some private banks.
  • Flexible withdrawal: Can withdraw or take loans after 7 years despite a 15-year lock-in period.
  • Better returns: Offers more attractive returns compared to bank FDs.
  • Tax benefits: PPF falls under EEE category, meaning investments, interest, and maturity proceeds are all tax-exempt, including deposits in spouse's or child's accounts.
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What is a PPF Calculator?

A PPF Calculator is a tool used to estimate the maturity amount, interest earned, and growth of investments made in a Public Provident Fund account over a specific period.

How does a PPF Calculator work?

A PPF Calculator works based on the principal amount invested, the interest rate, and the duration of the investment. It calculates the interest earned annually and compounds it over the investment tenure to provide an estimate of the maturity amount.

What information do I need to use a PPF Calculator?

To use a PPF Calculator, you need to input details such as the principal amount you plan to invest, the duration of the investment, and the prevailing interest rate offered on PPF accounts.

Can a PPF Calculator account for variable interest rates?

Most PPF Calculators assume a constant interest rate throughout the investment tenure. However, some advanced calculators may allow you to input variable interest rates if you expect them to change over time.

Can I use a PPF Calculator for tax planning?

Yes, a PPF Calculator can be a useful tool for tax planning as investments in PPF accounts are eligible for tax benefits under Section 80C of the Income Tax Act in India.