🎲 Fun & Lifestyle
Provident Fund Calculator
Generic PF calculator — works for EPF, VPF, PPF, or Gratuity funds.
Enter values to see your result
Frequently asked questions
How does this differ from the EPF / PPF calculator?
This is a generic tool for any PF-style fund. EPF has employer matching rules; PPF has a ₹1.5L yearly cap. Use the specific calculators for exact scheme rules.
Is the interest rate fixed?
EPF: declared annually by EPFO. PPF: reset quarterly. VPF: same as EPF. Actual returns may vary; use historical averages (~8%) in long-term projections.
Are provident funds taxable?
EPF / PPF are EEE (exempt-exempt-exempt). VPF interest above ₹2.5L annual contribution is taxable (post-2021 rule). Company super-annuation schemes have varied treatment.
Can I withdraw before maturity?
EPF: yes, for specific reasons. PPF: partial after 6 years. VPF: at retirement or 5+ years. Premature withdrawal often triggers tax on interest.