Public Provident Fund (PPF)

Saving through a Public Provident Fund (PPF) is a popular way to build wealth safely over time. But figuring out how much your money will grow- especially with yearly deposits, changing interest rates, and a 15-year lock-in can feel overwhelming. That’s where a PPF calculator comes in. It does the math for you, so you can focus on your goals instead of complex formulas.

What is a PPF Calculator?

Think of it as your personal savings assistant. A PPF calculator estimates how much your investments will grow over time, factoring in:

• Your yearly deposits (you can contribute anytime in the year, up to ₹1.5 lakh).
• Current interest rates (set by the government and updated quarterly).
• The power of compounding (interest earned on both your deposits and past interest).

It shows you the maturity amount you’ll get after 15 years (or beyond if you extend).

How to Use a PPF Calculator (3 Simple Steps):

1. Enter your yearly investment amount (e.g., ₹50,000, ₹1 lakh, etc.).
2. Choose your investment timeline (15 years? 20? You can extend in 5-year blocks).
3. See your results instantly:
   • Total amount you’ll invest.
   • Interest earned over the years.
   • Final maturity value.

Why Use a PPF Calculator?

• Clarity: See how small yearly savings add up over 15+ years.
• Flexibility: Test different scenarios (e.g., “What if I save ₹20,000 more each year?”).
• No guesswork: Automatically adjusts for current PPF interest rates.
• Tax-smart planning: PPF is tax-free at maturity- know exactly what you’ll get in hand.

PPF vs. Other Investments:

Unlike stocks or mutual funds, PPF offers guaranteed returns and safety (backed by the government). The calculator helps you compare:

• How PPF stacks up against fixed deposits (FDs) or gold.
• Why starting early matters (compounding works best over long periods).

Perfect For:

• First-time investors who want a “set and forget” savings plan.
• Parents saving for a child’s education or marriage.
• Anyone building a safety net for retirement.