Provident Fund Calculator
Calculate your future retirement corpus for EPF, PPF, or GPF with our easy-to-use tool. Get insights based on government rates
Estimated Result
A quick estimate based on your inputs.
EPF maturity corpus
₹2,93,00,610
3.2× of what you put in
Things to know
Your employer adds ₹43,33,777 to your EPF over 30 years.
EPS funds a pension of about ₹6,429/month — separate from this lump sum.
Interest is 69% of your final corpus — the power of compounding.
Topping up via VPF (above 12%) grows the same tax-free corpus faster.
Growth over time
Breakdown
- Total contribution₹91,17,37431%
- Interest earned₹2,01,83,23669%
Estimates only — not financial advice. Results are based on your inputs and assumptions, and actual outcomes may differ.
PF calculator — frequently asked questions
How does the employer's EPF contribution split work?
You contribute 12% of basic + DA to EPF. Your employer also pays 12%, but 8.33% of it (capped at ₹1,250/month on a ₹15,000 wage ceiling) goes to the Employees' Pension Scheme (EPS); only the remainder lands in your EPF corpus. This calculator models all three legs separately.
What interest do EPF and PPF currently earn?
EPF earns 8.25% per year (credited annually by EPFO), and PPF earns 7.1% compounded annually (set quarterly by the government). Both rates change over time, so the calculator lets you override them.
Is PF maturity tax-free?
Largely yes — EPF withdrawals after 5 years of continuous service and all PPF maturity proceeds are exempt (EEE status). Note that interest on your own EPF contributions above ₹2.5 lakh per year is taxable, and EPF withdrawal before 5 years can attract TDS.
What's the difference between EPF, PPF and GPF?
EPF is for private-sector salaried employees with an employer match. PPF is a 15-year personal savings scheme open to everyone (₹500–1.5 lakh per year). GPF is only for government employees — you choose your own contribution rate (minimum 6% of pay) and there is no employer match; the government instead provides a pension.
Can I extend PPF beyond 15 years?
Yes — after maturity you can extend in 5-year blocks indefinitely, with or without fresh contributions, and the balance keeps earning tax-free interest. Partial withdrawals are allowed during extension, which makes an extended PPF a useful retirement income bucket.