PPF Calculator

A PPF Calculator helps you estimate the maturity amount, total investment, and interest earned on your Public Provident Fund (PPF) account based on yearly contributions, interest rate, and investment duration.

Public Provident Fund (PPF) is a government-backed long-term savings scheme in India that offers guaranteed returns along with tax benefits under Section 80C of the Income Tax Act.

How PPF is Calculated

PPF returns are calculated using a compound interest formula where interest is compounded annually. The interest is calculated on the lowest balance between the 5th and last day of every month and credited at the end of the financial year.

Example of PPF Calculation

If you invest ₹1,50,000 every year in PPF at an interest rate of 7.1% for 15 years, the PPF calculator will instantly show your total investment, interest earned, and the final maturity amount at the end of the tenure.

Why PPF Investment Matters

PPF is ideal for long-term wealth creation with capital protection. It offers tax-free returns, guaranteed interest, and disciplined savings for goals like retirement, children’s education, or financial security.

If you are planning loan repayments alongside investments, you can also use our EMI Calculator to manage your monthly cash flow effectively.