VPF Calculator (India)
Estimate the maturity of your Voluntary Provident Fund. Enter your monthly VPF contribution, the EPF interest rate and the number of years.
The Voluntary Provident Fund (VPF) lets salaried employees contribute more than the mandatory 12% of basic pay into their EPF account. VPF earns the same interest rate as EPF — currently 8.25% — and enjoys the same tax treatment. This calculator projects your VPF corpus from your monthly contribution, the rate and the number of years you contribute.
How VPF maturity is calculated
Each monthly contribution earns interest for the rest of your contributing period, and the balance compounds over time.
where C = monthly contribution, i = rate ÷ 12, n = months
| ₹5,000/month at 8.25% | Maturity |
|---|---|
| After 10 years | ₹9,30,000 (approx) |
| After 20 years | ₹30,59,189 |
| After 30 years | ₹77,00,000 (approx) |
Worked example
₹5,000 a month for 20 years at 8.25%: total contributed ₹12,00,000, maturity ₹30,59,189, interest earned ₹18,59,189.
VPF, EPF and PPF
VPF is an extension of EPF for private-sector employees who want to save more; it shares EPF's 8.25% rate. PPF is open to everyone but currently pays 7.1% with a ₹1.5 lakh annual cap. VPF has no upper limit on contribution, though tax on interest applies above the ₹2.5 lakh annual employee-contribution threshold. Rates are reviewed yearly, so your actual return tracks the declared EPF rate over time.