PPF Calculator
Why Invest in PPF?
Key Points
- PPF offers tax-free returns under Section 80C.
- Safe, government-backed investment with guaranteed returns.
- Use our calculator to estimate maturity value.
Practical Example
Investing ₹1.5 lakh annually at 7.1% for 15 years yields ₹41,25,159, with ₹18,75,159 as interest. Try our calculator to plan your PPF savings.
Secure your future with PPF. Use our PPF Calculator to estimate returns.
Maximize PPF Benefits
Key Points
- Invest the maximum ₹1.5 lakh annually for tax benefits.
- Extend PPF tenure for higher compounding benefits.
- Our calculator helps project long-term returns.
Practical Example
₹1.5 lakh annually for 25 years at 7.1% grows to ₹1,04,65,296, with ₹67,15,296 as interest. Use our calculator to explore extended tenures.
Plan long-term savings with PPF. Use our PPF Calculator to estimate maturity.
Plan Your Savings with Pagla Tools PPF Calculator
The Public Provident Fund (PPF) is a safe, government-backed savings scheme in India, offering tax-free returns and long-term wealth creation. Pagla Tools’ PPF Calculator helps you estimate the maturity amount and interest earned based on your annual investment, tenure, and interest rate. Start planning your PPF investments today.
What is PPF?
PPF is a long-term savings scheme with a 15-year minimum lock-in, extendable in 5-year blocks. Key features include:
- Tax Benefits: Investments up to ₹1.5 lakh annually qualify for tax deductions under Section 80C.
- Guaranteed Returns: Interest rate set by the government (e.g., 7.1% as of 2025).
- Safety: Backed by the Government of India.
Our PPF Calculator projects your maturity amount accurately.
How to Use Our PPF Calculator
Our PPF Calculator is simple and intuitive. Follow these steps:
- Enter Annual Investment: Amount invested yearly (e.g., ₹1,50,000, max ₹1.5 lakh).
- Set Investment Period: Duration in years (e.g., 15, minimum 15 years).
- Input Interest Rate: Current PPF rate (e.g., 7.1%).
- Click Calculate: Hit the "Calculate PPF" button for instant results.
The calculator displays:
- Invested Amount: Total contributions.
- Interest Earned: Total interest gained.
- Maturity Amount: Invested amount plus interest.
- Pie Chart: Visual breakdown of Invested Amount vs. Interest Earned.
Real-Life Problems Solved by Our PPF Calculator
PPF planning can be complex, but our calculator simplifies it:
- Maturity Estimation: Investing ₹1 lakh annually for 15 years at 7.1% yields ₹27,50,106, with ₹12,50,106 as interest.
- Long-Term Planning: ₹1.5 lakh annually for 25 years at 7.1% grows to ₹1,04,65,296, ideal for retirement.
- Tax Savings: Maximize ₹1.5 lakh annual investment to save up to ₹46,800 in taxes (30% slab).
- Extension Benefits: Extending PPF by 5 years (20 years total) for ₹1.5 lakh annually yields ₹61,06,853 vs. ₹41,25,159 for 15 years.
Benefits of Using Pagla Tools
Our PPF Calculator offers:
- Accuracy: Precise projections using compound interest formulas.
- Time-Saving: Instant results without manual calculations.
- Visual Insights: Pie chart for clear understanding of returns.
- Flexibility: Supports various investment amounts and tenures.
- User-Friendly: Intuitive interface for all users.
- Free Access: Available 24/7 on paglatool.com at no cost.
Additional Tips for PPF Investors
Optimize your PPF investments with these tips:
- Invest Early in the Year: Maximize interest by investing before April 5 each year.
- Maximize Contributions: Invest ₹1.5 lakh annually for tax and wealth benefits.
- Extend Tenure: Continue PPF after 15 years for higher returns.
- Monitor Rates: Check quarterly PPF rate updates from the government.
- Combine with Other Investments: Use PPF for safety, alongside equity for growth.
Frequently Asked Questions (FAQs)
What is the maximum PPF investment limit?
The maximum annual investment is 1.5 lakh, eligible for tax deductions under Section 80C.
Can I extend my PPF account?
Yes, PPF accounts can be extended in 5-year blocks after the initial 15 years, with or without further contributions.
Is PPF interest rate fixed?
No, the government reviews PPF interest rates quarterly, but the rate for your investment year is applied annually.
Are PPF returns completely tax-free?
Yes, both the interest earned and maturity amount are tax-exempt under the Income Tax Act.
Why Trust Pagla Tools?
Our PPF Calculator is:
- Expert-Designed: Built by financial experts.
- Transparent: Free with no hidden fees.
- Reliable: Uses standard financial formulas for accurate projections.
Visit paglatool.com to plan your PPF investments!