Year-wise Schedule
What is PPF?
Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, designed to encourage small savings and offer attractive tax-free returns. It combines safety, steady growth, and tax benefits, making it a preferred investment for salaried as well as self-employed individuals.
PPF accounts can be opened in banks or post offices, with a minimum investment of ₹500 and a maximum of ₹1.5 lakh per year. The account matures in 15 years, but can be extended in blocks of five years thereafter. The scheme currently offers an interest rate of around 7.1% per annum, which is compounded annually and credited to your account every year.
It’s one of the few instruments that qualify under the Exempt-Exempt-Exempt (EEE) tax status — meaning your contributions, interest earned, and maturity proceeds are fully tax-free under Section 80C of the Income Tax Act.
What is a PPF Calculator?
A PPF Calculator is an online tool that helps you estimate the maturity amount and interest earned on your Public Provident Fund investments. By simply entering your yearly investment, tenure (in years), and expected interest rate, you can get an instant view of your future corpus.
The Business Day PPF Calculator automates these calculations using the compound interest formula applied to PPF rules, saving you the time and complexity of manual computations. It’s ideal for investors who want to plan their long-term financial goals such as retirement, child education, or wealth creation.
How can a PPF Calculator help you?
A PPF Calculator helps you make smarter financial decisions by showing how your money grows over time.
Here’s how it benefits you:
- Instant Results: Calculates the maturity value and total interest in seconds.
- Goal Planning: Lets you adjust deposit amounts or tenure to reach a target corpus.
- Clarity on Compounding: Visualizes how annual interest grows with time.
- Tax Planning: Helps you maximize your ₹1.5 lakh 80C deduction effectively.
- What-If Scenarios: You can easily compare returns across 15, 20, or 30 years.
With clear graphs and yearly schedules, it transforms your investment journey from guesswork to data-driven planning.
How Does PPF Calculator Work?
A PPF calculator uses the compound interest formula based on the rules of the Public Provident Fund (PPF) scheme.
PPF earns interest that is calculated monthly and compounded annually, making it one of the most stable, long-term wealth-building options available in India.
The calculator takes your inputs — yearly or monthly investment, interest rate, and time period — to estimate the maturity value, total deposit, and interest earned after the chosen tenure.
🧮 PPF Formula:
Where:
- A = Maturity amount
- P = Annual investment amount
- r = Annual rate of interest (in decimal)
- n = Number of years invested
Example:
| Parameter | Value |
|---|---|
| Annual Investment (P) | ₹1,50,000 |
| Interest Rate (r) | 7.1% (0.071) |
| Tenure (n) | 15 years |
| Calculation Type | Amount |
|---|---|
| Total Deposited | ₹22,50,000 |
| Total Interest | ₹16,48,350 |
| Maturity Value | ₹38,98,350 |
Thus, an annual contribution of ₹1.5 lakh at 7.1% for 15 years can grow to over ₹38 lakh — completely tax-free.
How to use Business Day PPF Calculator?
Using the Business Day PPF Calculator is effortless and mobile-friendly:
- Enter your yearly investment (up to ₹1,50,000).
- Select investment frequency — monthly or yearly.
- Set the interest rate (default 7.1% as per current PPF rate).
- Choose the time period (15 years default, extendable up to 50 years).
- The calculator will auto-compute maturity amount, interest earned, and total investment instantly.
You’ll also get dynamic line and donut charts showing your contribution vs. returns, plus a year-wise table and CSV download option for detailed financial planning.
Advantages of using Business Day PPF Calculator
✅ Completely Free: Calculate as many scenarios as you want—no sign-up needed.
📈 Interactive Visuals: Clear charts for quick understanding of returns.
💡 Smart Planning: Optimize your deposits to reach your future goals.
🧾 Tax-aware Tool: Helps you plan 80C investments efficiently.
📊 Data Transparency: View yearly schedules of deposits, interest, and corpus.
💬 User-Friendly: Minimal inputs, auto calculation, mobile-responsive layout.
The Business Day PPF Calculator isn’t just an investment tool—it’s a complete financial planning assistant, empowering Indian investors to plan tax-free, risk-free, and secure long-term wealth growth.