VPF Calculator

The Voluntary Provident Fund (VPF) tops up your EPF without changing your employer's share: you ask payroll to deduct more than the statutory 12% of basic — up to 88 percentage points extra, so your side can reach 100% of basic — and every additional rupee earns the same EPFO-declared 8.25% per annum with the same safety and the same annual crediting. The employer keeps contributing its own 12%, with the usual EPS pension split.

This calculator models EPF plus your VPF top-up together on the exact EPFO convention, so you can see precisely what the extra deduction does to your corpus at 60.

• Your side — the statutory 12% of basic + DA, plus the extra VPF percentage you choose (0-88%).
• Employer side — unchanged at 12%, of which EPS takes 8.33% of basic capped at the ₹15,000 wage ceiling (at most ₹1,250 a month); the remainder goes to your EPF. VPF triggers no extra employer contribution.
• Interest — the whole balance, VPF included, earns 8.25% per annum: accrued monthly on the prior month-end balance and credited, compounded, at year end. The rate is declared annually by the EPFO and is revisable.
• Salary growth — contributions rise with your expected annual increase.

1. Enter your monthly basic salary + DA.
2. Set the extra VPF contribution — the percentage of basic you want deducted on top of the statutory 12%.
3. Set your current age (the projection runs to 60) and the expected annual salary increase.

The outputs separate the extra VPF you put in from total contributions, and show the interest earned, the EPS pension diversion and the corpus at 60.