Borrow Invest Save Tax Govt Schemes
EPFO Gazetted: 8.25% p.a. Triple Tax Free (EEE) EPF + VPF Dual Engine

EPF & VPF Calculator 2026 – Employee Provident Fund

Forecast your retirement nest egg with monthly EPFO compounding, statutory employer contribution, voluntary VPF additions, and annual salary increments in Indian Rupees (₹).

EPF & Salary Details

₹
₹
Yrs
Yrs
%

Invest beyond mandatory 12% at the sovereign 8.25% rate with Section 80C benefits.

% of Basic
Total EPF + VPF Corpus at Age 58
EPFO Rate: 8.25%
₹4,64,43,111
Employee Share (12%)
₹68,01,264
VPF Contribution
₹28,33,896
Employer Share (EPF)
₹63,51,264
Total Interest Accrued
₹3,02,56,687
Estimated Monthly EPS Pension at 58
Statutory Employees' Pension Scheme 1995 (Capped at ₹15,000 wage ceiling)
₹6,428 / mo
Section 10(11) & Rule 9D Tax Status: 100% Tax-Free (EEE)

Annual employee contributions up to ₹2,50,000 are completely tax-exempt under EEE status.

Taxable Interest Accrued:
₹0
Net Corpus After Tax:
₹4,64,43,111
Sovereign Parity

EPF (8.25%) vs VPF (8.25%) vs PPF (7.10%) Arbitrage

+115 bps Sovereign Spread

Compare 15-year statutory compounding on ₹1.5 Lakh/year Section 80C contribution across EPFO vs India Post PPF. The 115 bps sovereign spread in EPF/VPF compounds into massive extra wealth with 100% sovereign security.

PPF 7.10% Corpus:
₹40,68,209
100% Tax-Free (EEE)
EPF/VPF 8.25% Corpus:
₹46,38,349
Monthly Compounding
EPF Sovereign Surplus:
+₹5,70,140
+14.01% More Wealth
Rule 9D Tax Drag:
₹0
Below ₹2.5L limit
Strategic Allocation Verdict: Maximize mandatory EPF (12%) and additional VPF up to ₹2.50 Lakh/year before allocating to PPF to capture the risk-free 115 bps sovereign alpha (+₹5.7 Lakh over 15Y) under complete EEE tax exemption.
Statutory Life Cover

EDLI Scheme 1976: Statutory ₹7 Lakh Death Insurance

₹7.0 Lakh Max Cover

Every salaried EPF member is automatically insured for up to ₹7,00,000 tax-free statutory life cover under Section 10(10D). Premium is 100% funded by your employer (0.50% of Basic up to ₹15,000 cap = max ₹75/mo); zero employee deductions.

₹
Capped at ₹15,000 statutory wage ceiling
₹
50% bonus capped at ₹1,75,000
Wage Multiplier (35×):
₹5,25,000
35 × ₹15k wage cap
PF Balance Bonus (50%):
₹1,25,000
Max bonus ₹1.75L
Total Insurance Claim:
₹6,50,000
Sec 10(10D) 100% Tax-Free
Employee Cost:
₹0 / month
Employer pays ₹75/mo
Beneficiary/nominee receives ₹6,50,000 tax-free life insurance under Section 10(10D) with 0 employee deductions.
Retiral Arbitrage

EPF (8.25%) vs NPS (10.0%) vs Superannuation (7.5%)

Sec 10(11) 100% Tax-Free Lump Sum

Compare 3 retiral powerhouses over your working career. While NPS offers equity compounding, it enforces a 40% mandatory annuity lock-in taxed at slab rates. EPF delivers a 100% tax-free, annuity-free liquid lump sum on retirement.

EPF / VPF (8.25%) 100% Liquid
Total Net Corpus:
₹1.27 Cr
Tax-Free Lump Sum: ₹1.27 Cr
Mandatory Annuity: ₹0 (0%)
Annuity Tax Drag: ₹0
NPS Tier-I (10.0%) 40% Locked
Gross Retiral Corpus:
₹1.62 Cr
Tax-Free Lump Sum (60%): ₹97.35 Lakh
Mandatory Annuity (40%): ₹64.90 Lakh
Net Monthly Pension (6%): ₹22,323 / mo
Superannuation (7.5%) 66.7% Locked
Gross Fund Corpus:
₹1.11 Cr
Tax-Free Lump Sum (33%): ₹37.07 Lakh
Mandatory Annuity (67%): ₹74.14 Lakh
Net Monthly Pension (6%): ₹25,502 / mo
EPF provides 100% capital freedom with a completely tax-free liquid lump sum, avoiding the mandatory annuity tax drag imposed on NPS (40%) and Corporate Superannuation (66.7%).

Retirement Corpus Composition

EPF Passbook Growth Schedule

Year-wise Projection
Age Basic (₹) Employee Employer Interest (8.25%) Non-Taxable Balance Taxable Balance (Rule 9D) Total Balance (₹)

How the Employee Provident Fund (EPF & VPF) System Works

The Employee Provident Fund is a government-managed retirement savings scheme governed by the Employees' Provident Fund Organisation (EPFO). It offers sovereign safety and an annual compounding interest rate (8.25% p.a. for FY 2025-26 & FY 2026-27), making it one of India's premier wealth-building vehicles for salaried individuals.

Employee Contribution

A mandatory 12% of Basic Salary + Dearness Allowance (DA) is deducted every month and credited directly into your EPF account. Eligible for full tax deduction under Section 80C up to ₹1,50,000/year.

Employer Contribution & EPS

Your employer matches 12%, divided into two parts: 3.67% goes to EPF, while 8.33% goes to the Employees' Pension Scheme (EPS) capped at ₹1,250/month (on the ₹15,000 statutory limit). Any excess basic goes directly to EPF.

Voluntary PF (VPF) Supercharger

Employees can voluntarily contribute up to 100% of their Basic + DA into VPF. VPF earns the identical 8.25% interest as EPF and is tax-free on contribution up to ₹2.5 Lakhs/year under Section 10(11)/(12).