VPF Calculator (Voluntary Provident Fund)
VPF lets you contribute more than the mandatory 12% of basic to your EPF account, earning the same EPF rate (8.25% for FY 2025-26).
This calculator shows your corpus with and without VPF.
How to use the VPF Calculator
- Enter your basic + DA, current PF balance and years to retirement.
- Enter the extra VPF % of basic you want to contribute.
- Compare the corpus with and without VPF.
Examples
10% VPF on ₹50,000 basic for 20 years
Input: basic ₹50,000, VPF 10%, 8.25%
Result: Shows the extra corpus from ₹5,000/month of VPF
Frequently asked questions
Does the employer match VPF?
No. VPF is only your money; the employer's contribution stays at 12% of wages.
Is VPF interest tax-free?
Interest on your total employee contributions (EPF + VPF) above ₹2.5 lakh a year is taxable, which reduces VPF's appeal for high contributions.
VPF vs PPF?
VPF currently earns 8.25% vs PPF's 7.1%, but PPF interest is fully tax-free with a ₹1.5 lakh yearly limit, and VPF money is locked to your EPF withdrawal rules.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.