PPF Calculator

Public Provident Fund (PPF) investment made easy
One-time
Monthly SIP
1,00,000
5.6
%
10
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
CUSTOM CSS
Principal
Interest
Total value
28,70,000
Total investment:
20,00,000
Interest earned:
8,70,000

Switch to seamless banking. Get Vance now.

What is a PPF Calculator?

A PPF calculator is a tool designed to manage your PPF (Public Provident Fund) investments. It calculates the interest and the total maturity amount based on annual contributions, providing a clear overview of potential growth over the investment period within this government-backed savings scheme. This calculator employs a formula for PPF calculation that helps investors formulate a precise long-term savings strategy.

How Does a PPF Calculator Work

Vance’s PPF calculator is a smart tool that lets you input the amount you plan to deposit annually into your PPF account and the duration of the investment, typically a minimum of 15 years. The calculator then uses the current interest rate set by the government (which can change annually) to forecast how much you'll accumulate by the end of your investment period, including the interest compounded annually. Here’s the formula for PPF calculation:

F = P [ ( { (1 + i)^n } -1)/i ]

Where,
I = Rate of interest
F = Maturity of PPF
N = Total number of years
P = Annual installments

How to Use a PPF Calculator

Use our PPF calculator to determine how much you'll accumulate with a PPF investment plan by the end of your investment period.
Enter annual deposit
Input the amount you plan to invest in your PPF account each year and the investment duration in years.
01
Enter the interest rate
Input the current interest rate provided by the government on PFF investments.
02
Calculate returns
You’ll instantly see how much you’ll have accumulated at the end of your investment period.
03

Advantages of a
PPF Calculator

Using a PPF calculator comes with the following benefits:
Future planning
It gives you a clear projection of your savings' future potential, helping you make major financial decisions.
Flexibility
You can experiment with different amounts and terms to find a savings plan that fits your financial situation.
Motivation
Seeing the potential growth of your investments might encourage you to start saving or increase your contributions.
Simplicity
It demystifies the complexities of compounded interest calculations, making it easy for anyone to understand their investment growth.

80,000+ NRIs
trust Vance

Vance is the preferred app among 80,000+ NRIs in the UK and UAE for sending money to India. Download Vance today.
Get started now

80,000+ NRIs
trust Vance

Vance is the preferred app among 80,000+ NRIs in the UK and UAE for sending money to India. Download vance today.
Get started now

Frequently Asked Questions

What details are needed to use the PPF Calculator?

In India, a PPF calculator requires you to input the following details:
  • Annual investment amount: How much do you plan to deposit each year
  • Investment period: The number of years you intend to keep investing (minimum of 15 years)
  • Current interest rate: Usually provided by the calculator based on the latest government rates

Can the PPF Calculator accurately project my investment growth?

Yes, the PPF calculator can provide a close projection of your investment growth based on the inputs of annual contributions and the current interest rate. However, keep in mind that changes in the interest rate over the investment period can affect the actual outcomes.

Can I calculate the tax benefits of investing in PPF using the PPF Calculator?

While most PPF calculators focus on calculating the returns and the maturity amount, some advanced calculators might include options to calculate tax benefits. These calculators consider the deductions under Section 80C of the Income Tax Act to show you potential tax savings.

Can I compare different investment scenarios with the PPF Calculator?

Yes, by adjusting the annual investment amount or the investment period, you can compare different scenarios to see how varying contributions affect the final maturity amount. By using the formula for PPF calculation, you can plan and optimize your investment strategy.

How often should I review my PPF investments using the PPF Calculator?

It's a good practice to review your PPF investments bi-annually or annually. This helps you track the growth of your fund and make adjustments if your financial goals or capabilities change.

Are there any limitations to the PPF Calculator in terms of estimating future returns?

Yes, the main limitation in India of a PPF calculator is that it assumes the interest rate remains constant throughout the investment period. In reality, the government may change the interest rate annually, which could impact your actual returns.

How can I determine the ideal investment amount for my PPF account using the PPF Calculator?

To determine the ideal investment amount, consider your long-term financial goals and how much you can comfortably set aside each year. Use the calculator to experiment with different amounts to see how they affect the projected maturity value. Aim for an amount that helps you meet your future financial needs while staying within your current budget.

Learn more about Investments

View all posts
Get NRI financial insights delivered to your email

Subscribe to the newsletter to get regular updates from Vance

Thank you for subscribing! Check your email for confirmation.

Fixed Deposit Calculator for NRIs

Calculate your returns on NRI fixed desposit using Vance NRI FD calculator

What is a Home Loan EMI Calculator?

Owning a home is not just a milestone but a dream for many. This is why - an EMI calculator for home loans is a crucial tool when you’re planning to buy a home. It’s an online tool that helps you figure out how much you'll need to pay each month towards your home loan. This gives you a clear picture of your monthly payments so you can plan your budget comfortably and see if the loan fits into your financial landscape without stretching it too thin.

How Does a Home Loan EMI Calculator Work?

Vance’s home Loan EMI calculator uses a mathematical formula that is designed to distribute the interest and principal amount over time so that by the end of the loan period, you've paid off everything smoothly. To calculate EMI for home loans, here’s the formula: 

EMI = [P x R x (1+R)^N] / [(1+R)^N - 1]

Where,
P = Principal loan amount
N = Loan tenure in months
R = Monthly interest rate

How to use NRI FD Calculator

Calculate your returns on NRI fixed desposit using Vance NRI FD calculator

1

Enter principal & interest

Input the amount you plan to deposit and the interest rate offered by the bank.

2

Choose the tenure & frequency

Decide the duration for which the amount will be deposited and how frequently interest should be compounded

3

That’s it

Our NRI FD calculator will show you how much interest you earn and the maturity amount

Benefits of NRI FD Calculator

Here are the importance and benefits of using Vance NRI FD Calculator

Financial planning

Helps in planning financial goals and retirement.

Accessibility

Easily accessible online without any need for manual calculations.

Time-saving

Quickly calculates complex compounding calculations.

Informed Decisions

Allows NRIs to compare different FD options and choose the best one.

Ready for better money transfers to India?

Your first transfer is on us
Save money now

Benefits of NRI FD Calculator

Here are the importance and benefits of using Vance NRI FD Calculator
This is some text inside of a div block.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

This is some text inside of a div block.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

This is some text inside of a div block.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

This is some text inside of a div block.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

* Grow your savings with returns as high as 8.25% p.a. Read Terms and Conditions while opening a Fixed Deposit to know more.