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. PPF accounts are commonly encountered aspects that come into play. To simplify these complex calculations, you can utilise a PPF calculator.

What is PPF?

PPF stands for Public Provident Fund. It is a popular investment strategy among investors because of its numerous investor-friendly features and perks.

PPF is a long-term investment programme popular among those seeking high yet predictable returns. Individuals who register a PPF account want to ensure that the principle sum is kept safe.

When a PPF plan is created, an account is set up for the applicant in which money is put every month and interest is accumulated.

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 calculators are available, and for selecting reliable ones such as BlinkX.

The formula used for Calculating PPF

To compute the deposited amount, interest, etc. The following formula can be used for PPF calculation:

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

This formula represents the following variables:

IRate of interest
FMaturity of PPF
NTotal number of years
PAnnual instalments

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?

  • Grasp the functioning of the computational tool to maximize 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).
  • Input 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 Utilising a PPF Calculator

The following list outlines the advantages of using a PPF calculator online. Take a glance.

  • This computational tool enables users to gain a clear understanding of the potential interest that can be earned with a specific investment amount.
  • With the assistance of this calculator, one can avoid hefty tax payments.
  • Deciding on the maturity period of an investment is often a challenging task, and this issue is easily resolved with the use of a PPF calculator online.
  • The calculator also provides an estimate of the total investment in a financial year.
  • To ensure accurate results, it is imperative to furnish the calculator with the deposited amount and specify the type of deposit - whether fixed or variable.

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.

Kickstart your equities journey today You've got this
By submitting this I agree to the terms & conditions