**Public Provident Fund Calculator:** An easy to use tool that can help you perform even the most complex PPF related calculations with ease! Using `PPF Calculator’ you can easily calculate year-wise PPF returns! Which you can earn by contributing to your PPF account (Public Provident Fund Account) with a predetermined time period and a specific frequency!

**Public Provident Fund Calculator**

It is a versatile tool and separate bank-wise calculators like SBI PPF Calculator, PNB PPF Calculator, India Post PPF Calculator or HDFC Public Provident Fund Calculator are unnecessary! This is because the interest rate, maturity, taxation and withdrawal rules are set by the government! That’s why the PPF account (PPF Account) remains the same even after it is opened!

**Public Provident Fund Calculator : Use of PPF Calculator**

In order to properly use the PPF calculator (Public Provident Fund Calculator), you need to provide the following data:

**Tenure of PPF Account**Minimum 15 years to maximum 50 years with the option of extension in block of 5 years.**Deposit/Payout Frequency**– It can be chosen as monthly, quarterly, half yearly and yearly. In case of quarterly deposit made every quarter, half yearly deposit means twice every year and so on.**Amount deposited –**This is the amount that is to be deposited in the account as per the deposit frequency. Thus if the deposit amount is Rs. 1000 and the deposit frequency is monthly, the total PPF deposit for the year is Rs. 12,000 and is automatically calculated by the PPF calculator!**Rate of interest –**This is the PPF rate of return (PPF Interest Rate) that you are expecting on your investment! If you are wondering how to calculate PPF interest rate! So don’t worry, just check the latest PPF interest rates online!

**Calculation for investment tenure of PPF**

**15 years****20 years****30 years**

To understand how the power of compounding works in your favor when it comes to PPF (Public Provident Fund) calculation! Let us consider the following table which shows the invested principal! Shows the PPF Interest Rate earned and PPF maturity value for a period of 15, 20 and 30 years!

investment period |
Total PPF Investment |
net interest earned |
maturity value |

15 years | Rs 1.5 lakh | Rs 1.4 lakh | Rs 2.9 lakh |

20 years | 2 lakh | Rs 2.88 lakh | Rs 4.88 lakh |

30 years | Rs 3 lakh | Rs 9 lakh | Rs 12 lakh |

In this PPF calculation example, we have assumed that the annual investment amount is Rs. 10,000 and the PPF interest rate is 7.1% per annum (the current PPF interest rate for Q3 of FY 2020-21 is 7.1%)!

**Tax Benefits of Public Provident Fund Investment**

Investments in Public Provident Fund are subject to tax deduction benefits up to a cumulative limit of Rs. 1.5 lakh u/s 80C of the Income Tax Act, 1961! Moreover, PPF investments are classified as EEE (Exempt, Exempt, Exempt), which means that the principal investment, maturity amount and interest earned are completely exempt from taxation!

**Will get loan from PPF **

Loan option against PPF (Public Provident Fund) 3 calculated from the date of account opening ^{rd} 6 of PPF account from year ^{th} Available till the end of the year! The amount that can be availed as loan is added to the total value of PPF deposits plus any accrued interest.

Amount availed as loan against PPF as calculated by PPF Return Calculator! PPF loan is equal to 25% of the PPF balance in the account for the year prior to the year of application. For example, if you apply for PPF account in March 2019! So the qualifying amount will be calculated on the basis of closing balance in March 2018.

### Public Provident Fund Calculator

The first step towards money management is to accumulate savings. You will find many options for savings accounts. However, look for those that guarantee substantial returns that are risk-free. PPF accounts are one of the most common facilities that come into the picture. PPF Account refers to Public Provident Fund account and it is meant to invest your valuable capital.

If you are a new employee or a responsible parent looking to save for the future. Then Public provident fund is ideal for you. Calculating the interest rate and returns on your PPF account becomes a bit tricky. PPF Account Calculator can be used to make these difficult calculations easy.

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