Your PPF Maturity Details
Total Investment
0
Total Interest
0
Maturity Value
0
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What is a PPF Calculator?
A PPF (Public Provident Fund) calculator helps you estimate the maturity amount of your long-term PPF investments. This government-backed savings scheme offers tax benefits under Section 80C and provides guaranteed returns with complete capital protection.
Key Features of Our PPF Calculator:
• Calculate maturity value for investments from 500 to 150,000 per year
• Adjustable interest rates from 1% to 15%
• Investment periods from 1 year up to 50 years
• Detailed yearly breakdown of interest and balance
• Works on all devices including mobile phones
How Does the PPF Calculator Work?
The calculator uses the standard PPF compounding formula to project your investment growth based on three factors:
1. Yearly Investment
The amount you invest annually (minimum 500, maximum 150,000). Investments are compounded annually.
2. Interest Rate
The current PPF interest rate (7.1% as of 2023). The government revises this rate quarterly.
3. Investment Period
The lock-in period (minimum 15 years, extendable in blocks of 5 years).
The PPF Calculation Formula
The calculator uses the following formula for annual compounding:
Maturity Value = P × [(1 + r)^n – 1] / r
Where:
• P = Yearly investment amount
• r = Interest rate (in decimal, e.g., 7.1% = 0.071)
• n = Investment period in years
Benefits of Using Our PPF Calculator
Financial Planning
Visualize how small annual investments can grow significantly over 15+ years.
Tax Savings
PPF offers EEE (Exempt-Exempt-Exempt) tax benefits – contributions, interest, and maturity are all tax-free.
Goal Tracking
Plan for long-term goals like retirement, children’s education, or buying a home.
Frequently Asked Questions
No, the maximum annual contribution to PPF is 150,000 as per current rules. Any excess amount won’t earn interest.
You can extend in blocks of 5 years with continued tax benefits. The calculator shows projections for extended periods.
No, the government revises PPF rates quarterly. Our calculator lets you test different rate scenarios.
Partial withdrawals are allowed from the 7th year onward (up to 50% of balance). The calculator assumes full maturity.