VPF Calculator

Plan your retirement savings with our Voluntary Provident Fund calculator, including your existing EPF balance. Estimate tax-free returns with ease.

Accurate maturity projections
Tax-free returns
Visual growth charts
VPF savings
₹
Enter monthly basic salary + DA (₹1,000 - ₹10,00,000).
Enter your monthly basic salary + DA (₹1,000 - ₹10,00,000).
%
Enter contribution rate between 12-100%.
VPF contribution can be 12% to 100% of basic salary + DA.
₹
Enter current EPF balance (₹0 - ₹1,00,00,000).
Enter your existing EPF balance (₹0 - ₹1,00,00,000).
Years
Enter tenure between 1-50 years.
Enter investment tenure (1-50 years).
%
Enter interest rate between 1-15%.
Default is 8.15% (current EPF/VPF rate). Adjust for projections.

Estimated Returns

New Contributions
₹0
Est. Interest
₹0
Maturity Value
₹0
Annualized Return
0%
How VPF Works
Join VPF via Employer

Opt for VPF through your employer's EPF account setup.

Monthly Contributions

Contribute 12% to 100% of your basic salary + DA monthly.

Tax-Free Maturity

Interest and maturity proceeds are tax-free under Section 80C.

Year Opening Balance (₹) New Contribution (₹) Interest (₹) Closing Balance (₹) CAGR (%)

What is Voluntary Provident Fund?

The Voluntary Provident Fund (VPF) is an extension of the Employee Provident Fund (EPF), allowing salaried employees to contribute beyond the mandatory 12% of their basic salary + DA, up to 100%. It is a government-backed scheme offering tax-free returns, ideal for retirement planning.

VPF contributions are deducted monthly through the employer, earning the same interest rate as EPF (currently 8.15% as of 2025). Your existing EPF balance grows alongside new contributions, and both interest and maturity proceeds are tax-free under Section 80C.

Did You Know?

With a ₹5 lakh existing EPF balance and 20% of a ₹50,000 monthly salary contributed to VPF at 8.15% for 15 years, your corpus can grow to over ₹20 lakhs, completely tax-free!

Benefits of VPF

Both interest earned and maturity proceeds are exempt from tax under Section 80C, making VPF highly tax-efficient.

Offers a fixed interest rate (8.15% as of 2025), higher than many fixed-income schemes, with annual compounding.

Interest compounds annually, allowing your savings, including your existing EPF balance, to grow significantly over the tenure.

Contribute from 12% to 100% of your basic salary + DA, offering flexibility based on your financial goals.

Frequently Asked Questions

The VPF calculator estimates maturity value using the compound interest formula, based on your current EPF balance, monthly contributions, interest rate, and tenure. It accounts for tax-free returns.

Any salaried employee enrolled in an EPF account can opt for VPF by informing their employer. Only one EPF/VPF account is allowed per person.

Yes, VPF returns are guaranteed as it’s a government-backed scheme with a fixed interest rate (currently 8.15%), revised annually. The calculator assumes a constant rate for projections.

Contributions up to ₹1.5 lakh per year qualify for tax deductions under Section 80C. Interest earned on both new contributions and existing EPF balance, as well as maturity proceeds, are completely tax-free.

Your current EPF balance is included as the starting balance and grows with annual compounding alongside new VPF contributions. The maturity value reflects the total corpus, while the invested amount shows only new contributions.