EPF & VPF Calculator
Last Updated: 8 April 2026
EPF & VPF Calculator
Project your Employee Provident Fund (EPF) balance and retirement corpus
Frequently Asked Questions
Common queries answered for you
EPF is mandatory (12% of salary). VPF (Voluntary Provident Fund) is an optional contribution you can make on top of EPF to save more tax and build a larger corpus at the same high interest rate.
Employee contributions to EPF qualify for deduction under Section 80C up to ₹1.5 Lakhs. Interest earned is tax-free as long as you don't withdraw before 5 years.
Partial withdrawals are allowed for specific purposes like house construction, marriage, or medical emergencies after a certain period of service.
What is EPF Calculation: The Secret to a Secure Retirement?
EPF (Employee Provident Fund) is a mandatory savings scheme managed by the EPFO. Both the employee and the employer contribute 12% of the basic salary, which earns a stable, high interest rate every year.
📊 Practical Example
"If you start at 25 with a ₹50,000 basic salary and a 10% VPF, you could retire with a corpus exceeding ₹4 Crores by the age of 55, thanks to the power of compounding and the 8%+ interest rate."
⚠️ Common Mistake
Ignoring VPF. Voluntary Provident Fund allows you to contribute more than the mandatory 12%. Since the interest rate is higher than FDs and the returns are tax-free up to specific limits, it's one of the best debt investments in India.
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