Time Period (in years)

Total Investment
Total Interest
*These numbers are for illustration purpose only. Actual numbers may vary.

If you are a new employee or an active parent looking to save for the future, the PPF proves to be an ideal choice. However, determining the interest rates and returns on your PPF account can be challenging. To simplify these complex calculations, you can utilise a PPF calculator.

What is a PPF Calculator

The Public Provident Fund (PPF) calculator is an online long-term investing tool that allows you to estimate the returns and growth of your PPF investments. It takes into account several criteria, such as the contribution amount, interest rate, and investment length, to predict the maturity amount and interest generated over time. 

A PPF interest rate calculator helps you in determining the future worth of your PPF investments, make educated financial decisions, and efficiently plan your savings.

How Can a PPF Calculator Help You?

This financial tool enables individuals to address inquiries concerning the Public Provident Fund account. There are specific criteria to be followed when calculating the maturity amount after a designated period. It monitors the capital's growth. Those who possess a PPF savings account are aware that interest rates fluctuate every month. 

In the present day, staying informed about changing rates has become more accessible.

However, with the introduction of the Public Provident Fund calculator, account holders can effortlessly determine monthly variations in interest. In the market, numerous user-friendly PPF account calculators are available, and for selecting reliable ones such as BlinkX.

Formula Used for Calculating PPF

The following formula can be used for PPF calculation: 

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

This formula represents the following variables:


Rate of interest


Maturity amount of PPF


Total number of years invested in PPF


Annual instalments deposited in PPF

Example: Imagine that you contribute Rs. 1,20,000 annually to your PPF account for 15 years at an interest rate of 7.1%. The total amount would be 32,54,567 at the end of 15 years. 

How to Use the PPF Calculator?

It is essential to understand how to use the PPF calculator properly to maximise its utility. The tool offers ease of use and provides accurate information, making it a worthwhile investment. 

  • Users simply need to input values into designated columns for the tool to be ready for operation.
  • Required details for the PPF return calculator include the investment tenure, total invested amount, earned interest, and the frequency of investment (monthly or yearly).
  • Enter values into the specified fields, and the total maturity amount will be generated within seconds.
  • If an individual deposits on the 1st of April, interest will be computed based on the financial year.

It's important to note that inflation may impact the interest rate.

Advantages of Using a PPF Calculator

The following are the key advantages of using a PPF calculator online.   

  • Accurate: You may use the PPF calculator to calculate investment amounts precisely. You will need to submit information such as the amount and duration of the investment. The rate of interest is automatically updated. Therefore, the calculation is based on the 15-year rate.
  • Fast: This eliminates the need for lengthy calculations. The PPF calculator gives results very quickly. 
  • Financial planning: It presents a good estimate of possible returns, helping you in financial planning. This also helps in setting your financial goals. To plan your savings efficiently,You can use a PPF maturity calculator. 
  • Flexible: You may test several scenarios by modifying term amounts, such as contribution frequency or investment amount, to get your desired corpus.
  • Convenience: The PPF calculator allows you to calculate PPF investments online, anytime and anywhere. To estimate your returns, try using a PPF investment calculator.

FAQs on the PPF Calculator

Yes, a PPF calculator can help you plan your tax-saving investments by estimating the returns and maturity amount on your PPF contributions.

No, PPF calculators are user-friendly. You just need to input the required details, and the calculator will do the computation for you.

It's advisable to use a PPF calculator whenever there's a change in your investment amount or tenure, or when there are fluctuations in PPF interest rates.

While a PPF calculator provides an estimate, the exact maturity amount may vary due to changes in interest rates and other factors.

Yes, you are free to move the account to another office or branch.

The Central Government primarily determines interest rates periodically. The current annual interest rate is 7.1%.

The maturity of PPF accounts occurs after 15 years. Following this period, you are required to withdraw the whole amount.

PPF has a fixed maturity period of 15 years. Upon maturity, you can withdraw the funds fully or partially. You may also extend it another 5 years.

You may withdraw all the funds from your PPF account after 15 years. However, you may make a partial withdrawal after 7 years during an emergency.

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