EPF & VPF Calculator
Calculate your monthly EPF contributions, employer's share, and projected maturity value. Includes VPF and the impact of salary increments over time.
EPF Corpus
₹28,76,250
After 20 years at 8.25%
PPF Corpus
₹13,56,070
After 15 years at 7.1%
EPF builds ₹15,20,180 more than PPF over this period.
Frequently Asked Questions
What is the current EPF interest rate?
The EPF interest rate for FY 2024-25 is 8.25% per annum, credited annually to member accounts. The rate is declared by the EPFO trustees each year after the government's approval.
Can I withdraw my EPF before retirement?
Partial withdrawals are allowed for specific purposes like medical emergencies, home purchase, education, or marriage after a minimum service period. Full withdrawal is allowed on retirement (age 58) or after 2 months of unemployment.
What is VPF and is it worth it?
VPF (Voluntary Provident Fund) lets you contribute more than the mandatory 12% of basic salary to your PF account, earning the same 8.25% interest rate. Since the interest is tax-free up to ₹2.5 lakh annual contribution, VPF is one of the best fixed-income options available.