Monthly PPF Calculator

Monthly PPF Calculator : A Monthly PPF Calculator is an online tool that helps you calculate the returns on your monthly investments in a PPF account. It considers your monthly contribution, the fixed annual interest rate (currently 7.1% for 2025), and the investment duration (up to 15 years or more).

Monthly PPF Calculator

Monthly PPF Calculator







Interest Rate: 7.1%



PPF Amount after years:

How Does the Monthly PPF Calculator Work?

The Monthly PPF calculator uses a formula that factors in:

  1. Monthly Contributions: How much you deposit every month.
  2. Interest Rate: Fixed at 7.1% per year (compounded annually).
  3. Investment Tenure: Minimum 15 years; it can be extended in 5-year blocks.

The formula to calculate the maturity amount in a PPF account is: A=P×(1+r/100)n

Where:

  • A = Maturity Amount
  • P = Total Annual Contribution (Monthly Contribution × 12)
  • r = Annual Interest Rate
  • n = Number of Years

The calculator also accounts for the compounding effect, which means the interest earned each year is reinvested into the account.

Example of Monthly PPF Calculation

Let’s say you invest ₹5,000 every month in your PPF account for 15 years. Here's how the calculation works:

  • Monthly Contribution: ₹5,000
  • Annual Contribution: ₹5,000 × 12 = ₹60,000
  • Interest Rate: 7.1% per year
  • Tenure: 15 years

At the end of 15 years, your maturity value will be approximately ₹16,28,400, including the principal and interest.

FAQs

What is the current interest rate for PPF?

The interest rate for PPF is 7.1% per annum, compounded yearly.

Is the Monthly PPF calculator free to use?

Yes, most PPF calculators are free.