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How to Use the PPF Calculator Effectively to Make Financial Planning Simple

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Web Admin

Web Admin

5 Dariya News

20 May 2024

The Public Provident Fund, popularly known as PPF, is not just a tax saving tool, it’s an excellent investment option that provides decent returns and is backed by the Government of India. The PPF calculator is a powerful tool that can aid in the strategic planning of your finances. 

If you’re new to the world of financial planning, and don't know how to use a PPF calculator, this guide is for you.Firstly, understanding the basics are crucial. PPF is a long-term investment plan which can be opened in authorized financial institutions like State Bank of India, ICICI Bank, HDFC Bank etc. 

The minimum investment per annum is INR 500 and the maximum is INR 1.5 lakh. Interest on PPF is compounded annually and it has a lock-in period of 15 years.

To Effectively Use The PPF Calculator And Create A Robust Financial Plan, Take The Following Steps:

Identify your Financial Goals

Before you start using a PPF calculator, ascertain your goals. Are you planning for retirement, buying a house, saving for your child's higher education? Identifying these milestones will help determine the amount you need to invest.

Determine the Investment Amount

Considering the above, you can decide how much to invest yearly in PPF. Use a PPF calculator to see how much wealth you can accumulate by the end of the tenure.

Use the PPF Calculator

A PPF calculator is a simple tool. You just need to enter the annual investment amount, investment period and the prevailing rate of interest.

For instance, if you are investing INR 1.5 lakh per year for 15 years at the current interest rate of 7.1%, you will have over INR 40 lakhs at maturity.

Adjust your Investments

The PPF calculator shows you the final amount at the end of the tenure based on your yearly investment. If that doesn’t meet your financial goal, you can adjust the yearly investment. Now that you understand how to use the PPF Calculator to plan your financial journey, the path to financial freedom doesn’t seem as hard, does it?

Remember that while PPF presents a lower-risk, reliable form of investment, it is not the only option available. Financial planning should take into account a diverse portfolio of investments. And while tools like the PPF calculators are helpful in managing one's finances, they should not be the sole determinant of your financial decisions.

Disclaimer: This article provides general information only. It is not intended to provide personal finance advice and it does not consider your particular financial and investment objectives, legal, tax or financial condition. 

Therefore, it is highly recommended that you do your own research, consider your personal circumstances before using the PPF calculator, and even consider consulting with a qualified financial professional.


Using a PPF calculator effectively can make your financial planning quite simple. By understanding PPF basics and its benefits, identifying your long-term financial goals, you can make an informed decision about the yearly investment amount. 

The PPF calculator will then show you the final amount at the end of the investment period. This detailed understanding allows you to adjust your investment amount accordingly to meet your financial goals. Despite being a safe and reliable tool, always bear in mind that financial planning should consider a diverse range of investments. 

Thus, a PPF calculator can guide your financial planning journey, but it should never dictate your investment decisions. Be informed, be wise, and remember to consult a financial professional if required.





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