PF Calculator - Provident Fund Calculator India 2025

Calculate your Provident Fund maturity amount, monthly contributions, and interest with EPF withdrawal rules and tax benefits for retirement planning.

Basic Salary (Monthly)

₹

Current Age: 25 years

18 years55 years

Retirement Age: 58 years

55 years65 years

Current PF Balance

₹

Annual Salary Increment: 8%

0%20%

EPF Interest Rate: 8.25%

6%12%

VPF Contribution (Monthly)

₹

PF Maturity Amount

₹85,56,215

After 33 years at retirement

Total Interest

₹70,30,615

Monthly Contribution

₹3,600

Years to Retirement

33 years

Contribution Summary

Current Balance

₹1,00,000

Employee Contributions

₹7,12,800

Employer Contributions

₹7,12,800

Interest Earned

₹70,30,615

Monthly PF Contributions

Employee (12%):₹1,800

Employer (12%):₹1,800

Total Monthly:₹3,600

Accurate EPF Calculations

Calculate precise EPF maturity with current interest rates, contribution limits, and salary increments.

VPF Integration

Include Voluntary PF contributions to maximize your retirement corpus and tax savings.

Retirement Planning

Plan your retirement with detailed PF projections and contribution strategies.

Essential PF Planning Tips for Indian Employees

Expert strategies to maximize your Provident Fund benefits and retirement planning

Start Early for Maximum Benefit

The power of compounding works best when you start early. Every year of delay significantly reduces your retirement corpus. Start contributing to PF from your first job.

Consider VPF for Higher Returns

Voluntary Provident Fund (VPF) allows additional contributions beyond the mandatory 12%. VPF offers tax benefits under Section 80C and earns the same EPF interest rate.

Understand Withdrawal Rules

PF can be partially withdrawn for specific purposes like home loan, medical emergencies, or education. Complete withdrawal is tax-free after 5 years of continuous service.

Plan for Inflation

While PF provides stable returns, consider inflation impact on purchasing power. Complement PF with other retirement investments like NPS, mutual funds for inflation-beating returns.

Frequently Asked Questions about PF Calculator

Get answers to common questions about EPF, VPF, withdrawals, and retirement planning

Employee Provident Fund (EPF) is a retirement savings scheme where both employee and employer contribute 12% of basic salary. The employee's contribution is deducted from salary, while employer's contribution is additional. The accumulated amount earns interest and is tax-free on withdrawal after 5 years.

Need More Help?

Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.

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