# PPF Calculator Online

A PPF Calculator is an online utility tool that helps you evaluate the investment value of your Public Provident Fund investment over a specific period. PPF is a government-backed savings scheme with a 15-year lock-in and offers better returns than options like a fixed deposit. Public Provident Fund is also a great way to reduce your tax liability throughout your daily work.

When you use a Public Provident Fund calculator, the Calculator will apply the PPF calculation formula to determine the total value of your investment after a certain number of years, given a specific PPF account rate of interest.

### What is PPF?

The purpose of the PPF, which had first implemented in India in 1968, was to mobilize small contributions for investment and return. It can also be an investment vehicle enabling one to assemble retirement funds while reducing yearly taxes. A PPF account should open by anyone looking for a secure investment alternative to minimize taxes and earn assured profits.

#### How can the PPF Calculator Help you?

Using a Public Provident Fund Calculator to estimate the returns can be a significant help when you are designing your investments because:

- The Calculator resolves your many questions about how the account works.
- You can see how much returns you can expect on investing a certain amount.
- You can use the Calculator repeatedly until you balance how much you must invest to get the desired returns.
- Since this is automated, manual calculations can skip, avoiding errors.
- You can use the PPF Calculator at the tax-planning stage to design your investments better.
- Since there is a choice to extend the Public Provident Fund account over and above the lock-in period, how much wealth you can grow until then, and you may know how much time you have for retirement.

#### What is the formula to calculate PPF Calculator?

You can use a Public Provident Fund maturity calculator to calculate your PPF instantly. the formula to calculate PPF Calculator is -

a = p((1+i)n - 1i

where,

**a **:is the maturity amount

**n**:is tenure

**p**:is the principal amount

**i**:is the rate of interest

### How Does the PPF Calculator work?

A Public Provident Fund account can be a savings and investment vehicle that reduces tax liability. PPF would allow you to build up a corpus for your retirement while reducing the annual taxes you owe. The Personal Pension Fund (PPF) is an investment vehicle that falls into the category known as EEE, which stands for "Exempt-exempt-exempt." Put that another way: Using the online PPF return calculator, you can determine the PPF maturity rate by performing a few straightforward calculations and then calculating the total.

### How to use PPF Calculator?

You can get the Public Provident Fund Calculator in different modes. Some of the ways are here:

- Fixed annual amount
- Fixed monthly amount
- Variable annual amount
- Variable monthly amount

Each method has a particular outcome depending on your scenario. here are the possible results for each calculation mode:

Fixed annual amount:

The Calculator calculates the amount you are likely to earn if you invest a specific amount annually for 15 years.

Fixed monthly amount:

The Calculator will quickly estimate the amount accrued from investment, a monthly permanent amount for 15 years.

Variable annual amount:

You can see the amount you will receive if you invest various amounts yearly – the Calculator will also show you projected interest rates.

Variable monthly amount:

The variable monthly amount method involves the most complicated modes' calculations. You can randomly add monthly amounts to extend a final figure at the last of a 15-year term.

### Benefits of PPF Calculator:

Using a PPF calculator to estimate the returns can help you to plan your investments because:

- The Calculator resolves your many questions about how the account works.
- You can see how much returns you can expect on investing a certain amount.
- You can use the Calculator repeatedly until you balance how much you must invest to get the desired returns.
- Since this is automated, you can skip manual calculations and avoid errors.
- You can use the Calculator at the tax-planning stage to plan your investments preferable.
- Since there is a choice to extend the Public Provident Fund account over and above the lock-in period, you may know how much wealth you can grow until then and how much time you have for retirement.

### FAQ'S

What are the limitations of the PPF Calculator?

**Investment limits:** Public Provident Fund allows a minimum investment of Rs 500 and a maximum of Rs 1.5 lakh for each financial year. You can make Investments in a lump sum or a maximum of 12 installments. Opening balance: The account can open with just Rs 100 a month.

What is the PPF Calculator?

The ppf return calculator is a handy online tool that instantly calculates your ppf return and interest.

How frequently is PPF interest calculated?

Interest on PPF calculates the month on the lowest balance in the PPF account after the 5th month to the last day of the month. This amount has credited to the PPF account in the previous financial year.

Is there any risk in the PPF account?

**Risk-free, guaranteed returns: **The Public Provident Fund has backed by the Government of India. So, one of the most significant PPF account benefits is that it is entirely risk-free. The returns, too, are guaranteed by the government.

What is the benefit of using a PPF calculator?

The PPF account calculator for Post Office estimate maturity value for a given amount invested, interest earned, and investment period. Estimating the returns made at the end of the investment period helps you know whether the chosen investment option matches your financial goal.

Can we break PPF anytime?

Premature closure of the Public Provident Fund account is allowed only five financial years after the version has opened. It is only allowed on three grounds: Life-threatening ailment or serious diseases faced by the account holder/spouse/children.