PPF Calculator

Using a PPF Calculator offers several advantages:

• Instant and accurate maturity value projections
• Assists in year-wise savings planning
• Helps optimize your annual contribution to maximize benefits
• Avoids manual errors and simplifies long-term financial planning
• Useful for comparing PPF with other tax-saving options

Using the PPF calculator is quick and simple:

1. Enter your yearly contribution (up to ₹1.5 lakh).
2. Select the number of years (minimum 15; extendable in blocks of 5).
3. Input the applicable interest rate (updated quarterly by the government).

Based on these inputs you will be able to view:

• Total invested amount
• Interest earned
• Maturity amount

PPF interest is compounded annually using the formula:

A = P × (1 + r)^n

Where:

• A = Maturity amount
• P = Annual investment
• r = Interest rate (in decimal)
• n = Number of years

Since contributions can vary year to year, the calculator considers each annual deposit and applies compounding accordingly.

Example:
If you invest ₹1.5 lakh yearly for 15 years at an average interest rate of 7.1%, the maturity amount will be around ₹40.7 lakhs.

• Instant projections of your maturity amount
• Helps plan long-term tax-saving strategies
• Avoids manual errors and simplifies goal planning
• Compare different contribution scenarios before investing

• Government-backed and low-risk
• Tax benefits under Section 80C (up to ₹1.5 lakh/year)
• Interest earned is tax-free
• 15-year lock-in, extendable in 5-year blocks
• Partial withdrawals and loans allowed under specific conditions

Start your journey toward secure, long-term savings with our PPF Calculator. Whether you're investing for retirement, education, or tax planning, this tool helps you visualize your financial future.