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VPF Calculator
Voluntary Provident Fund — supercharge your EPF.
Enter values to see your result
Frequently asked questions
VPF vs PPF — which is better?
VPF wins on rate (8.25% vs PPF's ~7.1%) and contribution ceiling (no cap vs PPF's ₹1.5L). PPF wins on flexibility (self-employed can also use it) and tax treatment (fully EEE regardless of amount).
Is there a cap on VPF?
No statutory cap — you can contribute up to 100% of basic salary. But tax efficiency drops above ₹2.5L/year combined EPF+VPF.
Can I stop or change my VPF?
Yes — submit Form 11 (revised) to HR. Changes typically take effect from the next financial year.
Is VPF withdrawal different from EPF?
No — VPF balance is part of your EPF account. Same withdrawal rules: full withdrawal at retirement or 2+ months of unemployment; partial withdrawals for specified purposes.