PPF Calculator

Read this article to learn more about PPF Calculator, PPF interest rate, online PPF Calculator, PPF maturity calculator and much more!.

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40  years

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PPF Maturity Amount

The first step toward wealth management is saving money as soon as possible. Everyone may find it challenging to deal with calculations, which is possible. However, there are other savings account choices, so look for those that give substantial returns without putting your money at risk. As soon as you've established how much money you can afford to set away regularly, the PPF calculator will calculate your returns by considering your investment period and the current interest rate. Public provident fund (PPF) accounts are one of the most often encountered parts of the real estate industry. PPF account is an acronym for public provident fund account, and it is created to accumulate and invest your hard-earned cash and other valuable possessions.

An excellent alternative for those just starting in their careers or those who are responsible parents, who want to put money down for the future, a PPF is an excellent choice. However, when it comes to calculating the interest rates and profits on your PPF account, it might take a long time and be challenging to comprehend. Its user-friendliness and self-explanatory design characterise the UI of the PPF calculator. Using a PPF account calculator might help make these complicated calculations less complicated.

Did you know?

The handy PPF calculator is a valuable financial tool that simplifies calculating the payback and PPF interest.

Benefits of PPF Calculator

User inquiries concerning their public provident fund account may be answered using this financial tool available to all users. When putting up your investment plan, it may be advantageous to utilise a PPF calculator to estimate the returns on your assets. When determining the maturity amount after a specific time, it must comply with several rules and specifications. The calculator answers any of your questions regarding how the account is set up and functions. It keeps track of the growth in your financial assets and obligations as time goes on. With the help of a PPF calculator, you can see exactly how much profit you can expect to earn if you invest a certain amount of money. People who currently have a PPF savings account know that interest rates on PPF savings accounts are subject to change regularly and can be viewed on the PPF interest calculator.

It is considerably easier to keep track of how interest rates move because of technological advancements. This PPF interest rate calculator may be used several times until you discover the optimal balance between how much money you need to put in and how much money you need to produce to get the desired returns. Since the advent of the post office PPF calculator, account holders have found it much easier to keep track of monthly changes in the rate of interest on their accounts. Because this is automated, human calculations may be skipped, and there won't be any errors. A wide variety of user-friendly PPF calculators monthly are available on the market, and you should choose the most dependable ones among those available.

Also Read: Tips to Save Money From Your Salary

The Formula for Calculating the PPF

It would help if you used the PPF return calculator throughout the tax-planning stage of the investing process to plan your investments efficiently. 

When the lock-in period has gone, as long as you keep your PPF account open, you may be able to predict how much time you have left until retirement and how much money you can accumulate during that time.

The calculation of the amount of money deposited, interest, and other elements using a mathematical formula:

 F = P[({(1+i)n}-1)/i]

The following are the variables that are represented by this formula:

  • I denote the annual percentage rate of interest.
  • The letter N stands for the total number of years.
  • P refers to annual instalments.
  • F indicates the PPF maturity.

An example of the PPF calculation will help you better understand how it works. But, of course, when you invest in a PPF interest calculator, this calculation becomes much easier to complete.

An individual who makes annual payments of ₹ 30,000 into their PPF investment for 20 years at a rate of 6% would have received an amount equal to ₹ 9,61,640 as their maturity payout after the 20-year investment period.

The ability to keep track of your starting balance, closing balance, withdrawal amount, and interest rate will surely assist you in this circumstance. In addition, as an alternative to yearly PPF calculations, monthly PPF calculations may be completed with the help of the PPF maturity calculator.

What Exactly Is the PPF Calculator, and How Does It Function?

First and foremost, if you want to get the most of this computer tool, you must understand how it operates. A PPF deposit earns interest every month; however, the money is only credited to your account after the financial year in which you invested. Because of its user-friendliness and accuracy in information, it is perfect for calculation. A few values must be entered into specific columns before everything is complete. The public provident fund calculator requires the following information: 

  • Period of the PPF
  • The total amount of money invested
  • Interest earned
  • The amount of money invested monthly or yearly

All of this information must enter into the PPF calculator. Then, within a few seconds, after you have input the necessary information in the relevant forms, the entire maturity amount will display on the screen.

If a person deposits money in April, the PPF interest rate will be calculated based on the current financial year. The possibility of inflation influencing this interest rate exists. However, even though there is a current standard rate, this field is editable, enabling you to change the interest rate and get a range of expected outcomes by changing the interest rate.

Following the entry of the above information into the PPF maturity calculator, you have information on the amount of money required when the PPF matures and the interest that has accrued.

A PPF account can be a savings account and an investment vehicle that helps you save on taxes. Your retirement corpus will grow as you save money on your annual taxes, thanks to the public provident fund (PPF). Another way to put it is that a PPF is an investment vehicle under EEE, which stands for economic development and employment.

Format of Online PPF Calculator

In addition, the PPF calculator available on the internet displays the following information;

  • It indicates the amount of money in the PPF account at the beginning of the calendar year.
  • The total amount of money that is in the deposit 
  • The amount of money that remains in the PPF account at the end of the year 
  • Earned money 

Each fiscal year calculation is according to money present in the account at the end of the previous fiscal year. Then, an annual compounding process is used to calculate the amount in the PPF account.

Also Read: EPF Withdrawal Rules 2021 - Guide on Different Types of EPF Withdrawals Rules

The Advantages of Using a PPF Calculator

Using an online PPF calculator has several benefits, 

  • Customers benefit from the PPF calculator post office since it gives them a clear idea of how much interest they can expect.
  • With the help of online PPF return calculators, you can quickly and easily determine how much of a retirement fund you may be able to build in a straightforward and uncomplicated manner.
  • With the assistance of this PPF amount calculator, you may be able to avoid paying a significant amount of tax.
  • It streamlines the process of deciding whether or not to extend the tenure of a PPF account for the account holder by making the decision easier.
  • It is possible to handle this issue quickly and easily by utilising a PPF calculator 2021 to estimate the maturity period of one's investment.
  • The online PPF calculator is used to determine the investment schedule before making the investments. 
  • The total investment made in a fiscal year is likewise estimated using this calculation method.


If you want to maximise the return on your investment, you should deposit money into a PPF account on or before the 5th of every calendar month. As a bonus, you will also earn interest on the previous month's sums and interest on this month's amount. Using the PPF maturity calculator, you can figure out how much money will be accessible to you at the end of the investment period. These days, it is vital to be informed of the anticipated maturity amount well in advance of a financial transaction taking place. In this way, an investor may make the best decision by choosing the most appropriate choice and picking from among the several alternatives to PPF that best fulfil their financial goals.

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Frequently Asked Questions

For my PPF account, what type of interest rate can I anticipate receiving?

The central government sets the interest rate every quarter, most of the time. In this particular instance, the interest rate is 7.1% per year. The PPF calculator helps in the calculation of the public provident fund.

When will my investment have reached the end of its useful life?

Investment in PPF accounts might reach maturity after 15 years of continuous investment. After this period has elapsed, you have to withdraw the real money from your bank account. Use an online PPF calculator to keep track of all the PPF calculations.

Is there an option of transferring your pension fund to a different office or branch?

The opportunity to move your PPF account to a new location or branch exists, and you should explore it.

What is the PPF account lock-in period?

It is necessary to keep the PPF account locked up for 15 years.