PPF Calculator: Calculate Public Provident Fund Returns in India
Estimate your PPF maturity amount and interest earned based on your contributions and investment period. Perfect for salaried individuals, retirees, and long-term savers in India.
Your PPF Calculation Result
Result
Results will appear here.
Calculation Steps
Steps will appear here after calculation.
PPF Calculation Tips
Invest early in the financial year for maximum interest.
Check the latest PPF interest rate quarterly.
Maximize contributions (up to ₹1.5 lakh) for tax benefits.
More Tools to Explore:
Your Guide to PPF Calculations in India
What’s a PPF Calculator?
This tool estimates your Public Provident Fund (PPF) maturity amount and interest earned based on annual contributions, investment duration, and interest rate. Ideal for long-term savings in India.
How PPF Returns Are Calculated
Methods used:
Formula:
Compound Interest: A = P × (1 + r/n)^(nt), where A is maturity amount, P is annual contribution, r is interest rate, n is compounding frequency (yearly), t is years.
Interest Calculation:
Interest is compounded annually and credited at year-end.
Maturity Amount:
Total contributions plus compounded interest.
Our calculator provides accurate estimates with clear steps!
Understanding Your Results
Your results include:
| Component | Description |
|---|---|
| Maturity Amount | Total value at the end of the investment period (in ₹). |
| Total Contributions | Sum of annual investments (in ₹). |
| Interest Earned | Total interest accumulated over the period (in ₹). |
Why Use a PPF Calculator?
Plan your savings effectively:
Long-Term Savings
Build a secure financial future.
Tax Benefits
Save up to ₹1.5 lakh under Section 80C.
Safe Investment
Government-backed, low-risk option.
Key Considerations for PPF Calculations
Ensure accurate planning:
Results are estimates based on a fixed interest rate. Actual rates may vary as set by the government.
Annual contributions are capped at ₹1.5 lakh and must be at least ₹500.
Minimum tenure is 15 years, extendable in 5-year blocks.
Frequently Asked Questions About PPF Calculations
Questions about planning your PPF savings in India? Here are answers to guide your financial strategy:
It estimates the maturity amount and interest earned on your PPF account based on annual contributions, tenure, and interest rate.
Uses compound interest: A = P × (1 + r/n)^(nt), where A is maturity amount, P is annual contribution, r is interest rate, n is 1 (yearly compounding), t is years.
Annual contribution (₹500–₹1.5 lakh), investment period (15–50 years), and interest rate (default 7.1%).
Yes! Helps plan long-term, tax-free savings with a safe, government-backed scheme.
Yes! All calculations are performed locally in your browser, with no data stored.