Calculate your PPF in a click! Know the interest earned in PPF account hassle free.
| Invested Amount | ₹0 |
| Total Interest | ₹0 |
| PPF Maturity Amount | ₹0 |
Planning your financial future requires smart investment decisions. The PPF Calculator is a powerful tool that helps investors estimate returns on their Public Provident Fund calculator contributions. Whether you’re saving for retirement, a child’s education, or wealth accumulation, using a PPF maturity calculator ensures informed decision-making.Â
The Public Provident Fund (PPF) is a long-term savings scheme introduced by the Indian government to encourage disciplined savings and financial security. With tax benefits, attractive interest rates, and risk-free returns, the PPF remains one of the most preferred investment options for individuals. The scheme allows individuals to deposit anywhere between ₹500 to ₹1.5 lakh per year and earn compound interest on their investment.Â
A PPF Calculator online is a digital tool that calculates the maturity amount, interest earnings, and year-on-year growth of your PPF investments. By entering key details such as annual contributions, tenure, and the prevailing PPF interest rate in SBI or other banks, you get instant projections of your savings. This tool eliminates guesswork and provides a clear estimate of how your investment will grow over time. Â
When you make use of the PPF Calculator you simply have to enter the amount and duration for which the PPF investment has to be calculated you will get the value of the investment instantly given a 7.1% interest rate.
Public Provident Fund calculator can help you plan your retirement. PPFs have a lock-in period of 15 years which means it is a great way to take the right step towards your retirement. The maximum yearly contribution in PPF is capped at a maximum of ₹1,50,000. This calculator is also known as the PPF return calculator as it helps to calculate the return on the investment.
The PPF account calculator uses the compound interest formula to determine the final corpus at the end of the investment period. The interest is compounded annually, ensuring steady growth of funds. It takes into account several factors, including the PPF interest rate, investment tenure, and total contributions.
Following is the formula that the PPF return calculator uses to calculate the value of the investment.
M = P [({(1 + t) ^ n} – 1 ) / i ] x ( 1 + i )
M= value of maturity
P= annual payment
i= Interest rate
t= number of years
Let’s understand how the PPF amount is calculated BY Public Provident Fund Calculator using a simple example.
Suppose Mr X is making an annual investment of ₹1,20,000 in PPF for 15 years with an annual interest rate of 7.1%.
Let’s calculate the value of investment using the PPF Calculation Formula
M = 1,20,000 [ ( { (1 + 7.1%) ^ 15 } – 1 ) / 7.1% ] x (1 + 0.071)
M = ₹32,54,567
This formula can be used to calculate the maturity amount irrelevant of the interest rate, duration, and annual amount invested.
A PPF calculator online simplifies complex calculations and provides accurate forecasts of your savings growth. Whether planning periodic investments or checking total accumulated wealth, this tool ensures that your financial goals are on track.Â
| Investment Tenure | Annual Investment(₹) | Total Investment(₹) | Rate of Interest | Value of Maturity(₹) |
|---|---|---|---|---|
| 15 | 1,20,000 | 18,00,000 | 7.1% | 32,54,567 |
| 20 | 1,20,000 | 24,00,000 | 7.1% | 53,26,631 |
| 25 | 1,20,000 | 30,00,000 | 7.1% | 82,46,412 |
| 30 | 1,20,000 | 36,00,000 | 7.1% | 1,23,60,728 |
| 35 | 1,20,000 | 42,00,000 | 7.1% | 1,81,58,286 |
A PPF calculator online provides precise projections of your investment’s future value. This enables better planning for significant financial goals, such as purchasing property, children’s education, or retirement.Â
Instead of manually computing compound interest, a PPF return calculator provides instant and accurate results, reducing the risk of miscalculations.Â
With a PPF maturity calculator, you can modify inputs such as tenure, interest rate, and deposit amounts to see how different scenarios impact your final returns.Â
PPF investments qualify for deductions under Section 80C of the Income Tax Act. Additionally, the interest earned and the maturity amount are tax-free, making it a highly attractive investment option.Â
The PPF interest rate fluctuates quarterly based on government policies. As of recent updates, the rate is 7.1% per annum, but it’s essential to check the latest figures before making decisions. The PPF return calculator helps project potential earnings based on different interest rate scenarios.Â
Interest in a PPF account is compounded annually but credited monthly. The best way to maximize returns is to deposit funds before the 5th of each month to ensure interest accrual for that period.Â
The PPF scheme has a maturity period of 15 years. However, upon completion, investors have the following options:Â
Partial withdrawals are allowed from the 7th year onwards. The PPF withdrawal calculator helps determine how much can be withdrawn without affecting long-term savings. Withdrawals are subject to restrictions, typically capped at 50% of the account balance at the end of the fourth year preceding the withdrawal year.Â
PPF investors can avail of a loan against their balance from the 3rd year to the 6th year. The interest on these loans is typically 1-2% higher than the prevailing PPF interest rate.Â
The PPF maturity calculator is an essential resource for anyone investing in the Public Provident Fund. With guaranteed returns, tax benefits, and long-term wealth-building potential, PPF remains a solid financial instrument. By leveraging a PPF calculator online, you can maximize savings, make well-informed financial decisions, and secure a financially stable future.Â
Your money will be compounded at an annual interest of 7.1% with minimum lock in period of 15 years.
The maximum amount an individual can invest in PPF account in a particular financial year is capped at ₹1,50,000.
Over the next 15 years, if you continue to invest ₹5000 annually, your total investment will reach ₹75,000 and your total maturity amount will be ₹1,35,180.
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