How to Use Our Calculator?

Our PF, EPF, and VPF Calculator is designed to simplify financial planning by providing accurate maturity amount estimates in just a few clicks. Whether you're new to provident fund schemes or a seasoned user, this guide will walk you through the process step-by-step.

Step 1: Select the Scheme

The first step is to choose the scheme you want to calculate for:

PF (Provident Fund): For general provident fund calculations.
EPF (Employee Provident Fund): For mandatory savings for salaried employees.
VPF (Voluntary Provident Fund): For additional voluntary contributions above the statutory limit.

Use the dropdown menu to select the scheme that best suits your needs.

Step 2: Enter Monthly Contribution

Next, input your monthly contribution amount:

For PF: Enter your total monthly contribution (e.g., ₹10,000).
For EPF: Enter the combined employee and employer contributions (e.g., ₹15,000 + ₹15,000 = ₹30,000).
For VPF: Enter your voluntary contribution amount above the statutory EPF limit (e.g., ₹20,000).

If you're unsure about the exact amount, use default values or consult your payslip.

Step 3: Set the Annual Interest Rate

Enter the annual interest rate applicable to your scheme:

For EPF and VPF: The default rate is typically 8.15% (as of FY 2023–24).
For PF: Input the specific interest rate provided by your organization or scheme.

If you’re unsure, you can leave the field as-is to use the default rate.

Step 4: Specify the Tenure

Input the duration (in years) for which you plan to contribute:

Short-Term Goals: Use a tenure of 5–10 years.
Long-Term Goals: Use a tenure of 15–20 years for retirement planning.

The longer the tenure, the higher the maturity amount due to the power of compounding.

Step 5: Calculate and View Results

Once you’ve entered all the details, click the "Calculate" button. Our calculator will instantly display:

Total Contributions: The total amount you’ll contribute over the tenure.
Total Interest Earned: The interest accrued on your contributions.
Maturity Amount: The total amount you’ll receive at the end of the tenure.

You can also view a breakdown of the calculation formula for better understanding.

Tips for Accurate Results

To ensure the most accurate results, keep these tips in mind:

Double-Check Inputs: Verify your monthly contribution, interest rate, and tenure before calculating.
Use Realistic Values: Base your inputs on actual payslips or scheme guidelines.
Adjust for Future Changes: If you expect salary hikes or changes in contributions, account for them in your inputs.

Start Planning Your Financial Future Today

Using our calculator is quick, easy, and free. With just a few inputs, you can estimate your PF, EPF, or VPF maturity amount and make informed decisions about your savings. Visit PFCalculator.co.in now and take the first step toward a secure financial future!