PPF Calculator
Calculate your Public Provident Fund returns. Plan your long-term savings with our PPF calculator.
PPF Investment Details
Enter your PPF parameters to calculate returns
How to Use the PPF Calculator
👉 Step-by-step guide
About PPF Calculator
What is PPF Calculator?
The PPF Calculator helps you estimate the maturity amount and interest earned on your Public Provident Fund investment. It uses the annual compounding formula for PPF.
Key Parameters
- Yearly Deposit: Amount deposited every year
- Interest Rate: Annual rate set by government
- Tenure: Number of years (usually 15)
Benefits
- Plan your long-term savings
- Understand PPF growth
- Make informed financial decisions
What Makes Our PPF Calculator Unique?
- Flexible Tenure Selection: Calculate for any period between 1 and 15 years.
- Instant Error Feedback: Get alerts for invalid inputs in real-time.
- Interactive Sliders: Adjust values easily using custom sliders.
- Detailed Breakdown: View yearly growth and interest accumulation.
- Real-time Results: Instant calculation as you type
- Accurate Calculation: Uses annual compounding formula
- Visual Charts: Graphical representation of results
- Mobile Friendly: Works perfectly on all devices
Use Cases for PPF Calculator
- Compare PPF returns with other long-term investments.
- Plan yearly deposits for maximum maturity benefit.
- Estimate future savings for children's education or retirement.
- Evaluate impact of changing interest rates on your corpus.
- Generate reports for financial planning or advisory purposes.
Related Tools
PPF Calculator Formula
The maturity amount for a Public Provident Fund (PPF) is calculated using the compound interest formula with yearly contributions:
A = P × [ ((1 + r)t - 1) / r ] × (1 + r)
- A = Maturity Amount (Expected Corpus)
- P = Yearly Investment Amount
- r = Annual Interest Rate (in decimal, e.g., 7.1% = 0.071)
- t = Time period in years
The estimated returns (interest earned) are calculated as:
Returns = A - (P × t)
Example
Example:
- Yearly Investment (P): ₹1,50,000
- Interest Rate (r): 7.1% per annum
- Time Period (t): 15 years
Maturity Amount = 1,50,000 × [ ((1 + 0.071)15 - 1) / 0.071 ] × (1 + 0.071) ≈ ₹4,068,209
Maturity Amount: ₹4,068,209
Total Invested: ₹1,50,000 × 15 = ₹22,50,000
Estimated Returns (Interest Earned): ₹1,818,209
💡 If you invest ₹1,50,000 every year for 15 years in a PPF account at 7.1% annual interest, your investment will grow to ₹4,068,209, with an estimated interest of ₹1,818,209.