VPF Calculator
Voluntary Provident Fund contribution over and above the 12% mandatory EPF — same 8.25% interest, EEE tax status up to ₹2.5 L/yr.
Your details
Above the mandatory 12% EPF
Same as EPF: 8.25%
Rate & data freshness
Default rate based on the latest official Government of India notification. Please verify the current rate before making financial decisions.
VPF corpus at retirement
₹80,94,885
after 28 years
- Total contribution
- ₹28,03,324
- Interest earned
- ₹52,91,561
Contribution up to ₹2.5 L per year is fully tax-free (EEE). Interest on excess is taxable.
Contribution vs interest
- Contribution
- Interest
Total: ₹80.95 L
Year-by-year balance
How the math works
Balance = Σ (Extra contribution × (1 + r/12)^months_remaining) — compounded monthly at EPF rate
- r
- EPF interest rate (8.25% for FY 2025-26)
- Contribution
- % of Basic + DA over and above the mandatory 12%
How it works
- 1
Enter your current age and monthly Basic + DA.
- 2
Set the extra VPF contribution as a % of Basic (0% to any level up to 88%).
- 3
Add annual salary hike to project real growth.
- 4
CalcPe compounds monthly at the EPF interest rate and shows corpus at retirement.
A quick walkthrough
Inputs
Age 30, Basic+DA ₹40,000, 10% extra VPF, 5% hike, 8.25% interest, till age 58.
Steps
- 28 years of monthly contributions with hikes
- Compounded monthly at 8.25%
Result
VPF corpus ≈ ₹90 L+ over the 28-year window.
Why CalcPe’s VPF Calculator
- Same 8.25% guaranteed return as EPF — significantly better than most FDs.
- Contribution up to ₹2.5 L per year enjoys EEE tax status.
- No lock-in beyond EPF withdrawal rules; partial withdrawal for house/medical/education.
- Payroll deduction — automatic disciplined saving.