EPF & VPF Calculator
See your monthly EPF contribution, your employer's matching share, and how much extra a Voluntary Provident Fund (VPF) top-up could add to your retirement corpus over time.
Projected Value After 20 Years
of which ₹22,12,807 is interest earned
Monthly Contribution Breakdown
How EPF Contributions Work
Every month, 12% of your Basic salary + Dearness Allowance is deducted and matched by an equal 12% from your employer. Your entire share goes into your EPF account, but your employer's share splits two ways: 3.67% into your EPF account, and 8.33% into the EPS (pension) account, which only accrues on a wage base capped at ₹15,000/month no matter how high your actual basic salary is.
Should You Add VPF Contributions?
VPF is one of the few investment options offering a government-backed, 8.25% return with the same tax-free status as EPF — but it locks your money in, reduces your monthly take-home pay, and the interest on large combined contributions can become taxable. It tends to suit conservative, long-horizon savers more than those who need liquidity in the next few years.
Frequently Asked Questions
What is the current EPF interest rate?
The EPF interest rate is 8.25% per annum for FY 2025-26, declared by EPFO. Interest is calculated monthly on your running balance but credited to your account annually.
How is the 12% EPF contribution split?
Both you and your employer contribute 12% of your Basic + DA each month. Your full 12% goes into your EPF account. Your employer's 12% is split: 3.67% goes into your EPF account, and 8.33% goes into the Employees' Pension Scheme (EPS), which is capped at a ₹15,000 monthly wage base regardless of your actual salary.
What is VPF and how is it different from EPF?
VPF (Voluntary Provident Fund) lets you contribute more than the mandatory 12% EPF rate — up to 100% of your Basic + DA — into the same EPF account, at the same interest rate. Unlike EPF, your employer doesn't match your VPF contribution, and VPF contributions are locked in for 5 years for tax-free withdrawal.
Is EPF/VPF interest taxable?
EPF and VPF both have EEE (Exempt-Exempt-Exempt) tax treatment under normal circumstances. However, if your combined EPF + VPF employee contribution in a financial year exceeds ₹2,50,000, the interest earned on the amount above that threshold becomes taxable.
Can I withdraw my EPF before retirement?
Yes, under specific circumstances — unemployment for over a month (partial withdrawal), or over two months (full withdrawal), as well as for home purchase, medical emergencies, marriage, or education, subject to EPFO's eligibility rules for each reason.