# PPF Calculator Online: Calculating Interest Rate Of Public Provident Fund

PPF calculator online will help you calculate the interest earned on your Public Provident Fund investment. The PPF, or Public Provident Fund, is a long-term savings plan to create wealth and save tax under Income Tax Deduction Section 80C.

## PPF Calculator Online: Public Provident Fund Calculator

- Invested Amount:
- Maturity Amount:
- Total Interest:

## Table of Contents

**What is a PPF (Public Provident Fund) Calculator?**

A PPF calculator is an digital tool. It aids in forecasting of future PPF (Public Provident Fund) returns for the investor. Input the annual contributions, interest rates, and period. Total interest earned also appears on the calculator section as maturity amount.

**Key Features and Benefits of a PPF Calculator**

**Ease of Use:**Easy interface to enter parameters and get outcomes rapidly.

**Accuracy:**Accurate computation of the present interest rates and the number of compounding periods.

**Time-saving:**Saves time since the user does not have to calculate figures manually.

**Financial Planning:**Assists in determining an annual contribution to attain the best rate of returns.

**Importance of a PPF Calculator in Financial Planning**

- Visualize future savings.

- Outline criteria for deciding on annual contributions.

- Maximise portfolio levels for achieving targeted objectives.

**How to Calculate PPF Calculator**

M = P [ ( { (1 + t) ^ n } - 1 ) / i ] x ( 1 + i )

Where:

M = Maturity Value

P = Annual Payments

i = Interest Rate

n = number of years

The part after the P in the formula is called the annuity factor. When the value of this factor is multiplied by the annual contribution, one gets the maturity value of the PPF investment. Here's an example to calculate the maturity value of a PPF account with specific details:

Annual Contributions | ₹1 lakh |

PPF Account Interest Rate | 7.1% |

Number of Years | 15 |

Let’s plug the information into the PPF calculation formula:

M = ₹ 1 lakh [ ( { (1 + 7%) ^ 15} – 1) / 7%] x (1 + 0.07) M = ₹ 27, 12, 139

If the interest rate changes, then it starts varying and one has to calculate for different periods. For instance, if the rate was 7% for 5 years and 8% for the next 5 years, you do it as follows: First, find the 10-year maturity value at 7% for five years deposits. Next, add up the 5-year maturity value at 8% for the five years’ deposits.

It is important to note that you can also select monthly contributions in the PPF calculator,( that is yearly contribution ÷ 12.) Nonetheless, you will get the same output as when the calculator allows yearly contributions.

**Using the PPF Calculator on The Invest Advisory**

Our Public Provident Fund or PPF calculator on **The Invest Advisory** is quite simple and easy to use. Here’s how to use it:

**Step-by-Step Guide:**

- Go to the PPF calculator page of the The Invest Advisory website.

- Please, state your annual contribution amount.

- Enter the current rate of interest.

- Choose the period of investment.

- Press the ‘Calculate’ button to see your assessment.

**Example Calculations:** For instance, if you invest INR 1,00,000 annually at an interest rate of 7.1% for 15 years, the calculator will show the maturity amount and the total interest earned. This helps in visualizing potential returns.

## Tips for Maximizing PPF Benefits:

- Make your investments during the initial months of the financial year in order to allow the interest to accrue.

- Contribute a fixed amount of money to make the most of compounding.

- Enter your specific objectives in the calculator to change the amount you invest and the period needed.

With help of the provided PPF calculator, you can make the right choice about your PPF investment and manage your financial plan efficiently.

## PPF Calculation of Investment Tenures

There is no tax implication that goes with the invested amount on PPF. Using the PPF calculator, figure out how your maturity value alters with different investment tenors. Higher maturity values are obtained with longer tenures. Below is the table of PPF maturity values for the mentioned investment period.

Investment Tenure (years) | Annual Contribution (₹) | Principal Invested (₹) | PPF Account Rate (%) | Maturity Value (₹) |

1 | 1 lakh | 1 lakh | 7.1 | 1,07,100 |

5 | 1 lakh | 5 lakh | 7.1 | 6,17,134 |

10 | 1 lakh | 10 lakh | 7.1 | 14,86,749 |

15 | 1 lakh | 15 lakh | 7.1 | 27,12,139 |

20 | 1 lakh | 20 lakh | 7.1 | 44,38,859 |

Note: 7. 1% is the current rate, and is subject to change in the future.

**Conclusion**

In conclusion, the present blog post has described the PPF calculator and the advantages of this tool. Please visit our PPF calculator on The Invest Advisory for more precise calculation of returns. Make informed financial decisions. Improve your investments through advisory and tools related to investment. For other information related to the financial market, do check out The Invest Advisory

## FAQs about PPF Return Rate Calculator

### 1. **What is a PPF calculator?**

**Answer:** A PPF calculator is a specialized tool that you can use to find out the maturity amount, along with the interest on it, for your Public Provident Fund investments.

### 2. **How does a PPF calculator work?**

**Answer:** The potential returns depend on your annual contribution, the interest rate of the year, and the compound frequency fixed by the government.

### 3. **Why use a PPF calculator?**

**Answer:** PPF calculator enables one to plan and predict future savings in order to improve finance management and investments.

### 4. **Where can I find a PPF calculator?**

**Answer:** You can access PPF calculators online on financial websites like **The Invest Advisory** for quick and accurate calculations.

**Are online PPF calculators accurate?**

**Answer:** Yes, PPF calculators employ the right formulas and up to date data to come up with the growth rate of your PPF investments.