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A Public Provident Fund (PPF) calculator is an online tool that helps in estimating the growth of your PFF investments over a specified period. It displays the total returns you will earn on the amount invested in the PPF account.

 

To simplify the task of computing interest rates and returns on your PPF account, utilise a PPF account calculator.

How to Use a PPF Interest Calculator

Here are a few steps you must follow to use the PPF calculator: 

  1. Enter the amount you plan to deposit periodically into your PPF account

  2. Choose the frequency of investment (monthly, quarterly, or annually)

  3. Enter the interest rate applicable on your PPF investments

     

Once you submit these details, the interest and maturity amount will be estimated by the calculator and displayed on the screen.

PPF Calculation for Different Investment Periods

Once the PPF tenor of 15-years has ended, you can extend the investment period by blocks of 5 years. The returns you earn will depend on the investment duration. 

 

Here is a preview of the maturity amount calculations for different investment periods. The following particulars have been considered for this example.

  • You invest ₹1 Lakh each year in your PPF account

  • The rate of interest is 7.10% p.a. 

 

In that case, here is how your investment will grow across different investment periods. 

Investment Tenor

Total Amount of Investments Made

Total Interest Earned

Maturity Amount

15 years

₹15,00,000

₹12,12,139

₹27,12,139

20 years

₹20,00,000

₹24,38,859

₹44,38,859

25 years

₹25,00,000

₹43,72,010

₹68,72,010

30 years

₹30,00,000

₹73,00,607

₹1,03,00,607

As you can see, owing to the power of compounding, you can grow your corpus to over ₹1 Crore by simply investing ₹1 Lakh a year for 30 years.

What is the Formula for Calculating PPF?

You can use the following formula to calculate your PPF interest: 

A = P [({(1+i)n}-1) ÷ i

Here,  

  • A is the maturity amount  

  • P is the amount invested  

  • i is the rate of return/interest  

  • n is the investment tenor

Benefits of a PPF Calculator

Free and Easy to Use

Calculate how much you need to invest to maximise tax deductions and boost your returns

Aids in Investment Planning

Enter basic details and instantly see your future earnings and maturity amount

Experiment with Different Tenors

Run simulations to test different investment tenors and amounts to find your ideal corpus amount.

Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort. 

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products. 

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FAQs About PPF Calculator

The PPF calculator is an online tool used to calculate the returns or interest earned on your PPF investments. It also displays the maturity amount you will receive at the end of the investment period.

Yes, the PPF maturity calculator is free to use online. 

The PPF maturity amount is calculated by adding the cumulative deposits made during the investment period to the accrued interest on these deposits. Determine your PPF maturity value easily with an online calculator.

To use the PPF returns calculator, you simply need to input the below details: 

  • Contribution amount 

  • Frequency of the investment (monthly, quarterly, or yearly)

  • Tenor 

  • Prevailing interest rate  
     

Upon submitting this information, the calculator will determine the interest accrued on your deposits during the selected period.

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