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Post Office PPF Calculator

Total Investment(Yearly)

Interest rate


Select Duration


15 Yr

30 Yrs

Maturity Amount


Invested Amount

Interest (Total)

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What is an Post Office PPF Calculator

A PPF (Public Provident Fund) calculator is a useful tool for calculating the potential return on your PPF investments. The calculator considers essential criteria such as the yearly investment, the time period, and the current interest rate to forecast the amount due at maturity and the interest that you will earn over the tenure. The tool is particularly helpful because, as of May 2023, PPF has a lock-in period of 15 years, and you must assess the suitability of this financial instrument for this financial horizon before investing. If you are looking to open a PPF account with the Indian post office, Angel One's online Post Office PPF calculator can help you make informed investment decisions. This way, you can do away with tedious calculations and get fast and accurate results that can enable you to plan your financial goals.

How Does an Post Office PPF Calculator Work

A Post Office PPF calculator online works according to a predefined formula that considers your principal amount, the interest rate, and the investment term (PPF has a term of 15 years). Once you enter these parameters, the calculator estimates the interest and maturity amount. It gives you a clear overview of how your investments will grow over time and enables you to make more informed decisions.

What Is the Post Office PPF Calculator Formula?

Below is the Post Office PPF calculator formula which helps calculate the projected value at maturity of a PPF investment:

F = P [({(1+i) ^n}-1)/i]


i is the interest rate

F is the maturity value of the PPF

N is the duration in years

P is yearly instalments

How to use the Post Office PPF calculator online?

The method to use the Post Office Online PPF Calculator on Angel One is pretty simple. Here is a step-by-step guide:

  1. Navigate to the Angel One website and open the Post Office PPF calculator.
  2. Enter the amount you want to contribute periodically to your PPF account 
  3. The calculator automatically takes the investment tenure as 15 years
  4. The annual interest rate is also prepopulated 
  5. The online tool will show you the value at maturity and the total interest you will earn
  6. You may change the inputs to test various investing scenarios and adjust your investment strategy as required.

Benefits Of Using a Post Office PPF Calculator

  • Ease of financial planning

The PPF calculator accurately calculates the maturity amount and the interest you will earn. Using this information, you can set realistic goals and choose the best investment amount and term. This helps you to plan your financial future effectively.

You can use the PPF calculator to match your investments to specific financial goals, such as higher education for your kids, retirement planning, or buying a home. By analysing the amount at maturity and the interest you can earn, you can know if this investment will sync with your financial goals. 

  • Time efficiency

With the PPF calculator, you can quickly get comprehensive answers without performing manual calculations or using complicated methods. This saves you effort and time.

  • Free to use and convenient

You can easily access the online Posit Office PPF calculator by using a device with an internet connection. There are zero charges involved in using the calculator online.

Eligibility Criteria for Opening a Post Office PPF Account

To get started with a Post Office PPF account, you must meet the following eligibility requirements:

Nationality: Post Office PPF accounts are only available to Indian nationals.

Age: Only those over 18 years of age can open a PPF account. However, an account for a minor child can also be opened.

Hindu undivided families and NRI are not permitted to open PPF accounts as it is meant only for those with Indian nationality. You can have only one account to your name.


What is a Post Office PPF calculator?

A Post Office PPF calculator is a financial tool that assists users in calculating the possible return on their PPF investments. It allows users to calculate the maturity amount and interest they can earn.

How to use the Post Office PPF calculator online?

To use the online Post Office PPF calculator, visit the Angel One website and navigate to the PPF calculator page. Then, input the deposit amount. Assuming the interest rate and investment tenure will be prepopulated as 7.1% and 15 years, respectively, you can choose to increase the tenure post 15 years in 5-year blocks. Once all the details are entered, the calculator will show the interest and maturity amount you will get upon maturity.

Is the Post Office PPF calculator free to use?

Yes, the Angel One PPF calculator is free to use. It helps you to evaluate your investment alternatives and make informed decisions.

How much can be the minimum tenure of the Post Office PPF calculator?

As of May 2023, the Public Provident Fund (PPF) has a mandatory lock-in period of 15 years. Once it reaches maturity, you can extend it in 5-year blocks.

What is the interest rate on the Post Office PPF calculator?

The Ministry of Finance determines the interest rate for a PPF account which is updated every quarter.

Enjoy Zero Brokerage on
Equity Delivery

Enjoy Zero Brokerage on Equity Delivery

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