VPF calculator
Voluntary provident fund lets you put more than 12% of basic into EPF and earn the EPF rate on it. Enter your CTC and the extra percentage to see the monthly in hand you give up, any old regime tax saved, and what the contributions grow into.
Your PF
18 LPA
The EPF rate EPFO declares each year
Regime
VPF corpus after 20 years
₹64,46,303
₹7,500 a month into VPF costs you ₹7,500 a month in hand. You put in ₹29,75,936 and earn ₹34,70,367 of interest.
- VPF / month
- ₹7,500
- In hand drop / month
- ₹7,500
- Tax saved / year
- ₹0
- Tax-free VPF ceiling
- 15% of basic
Your own PF this year
| Regular EPF (12% of basic) | ₹1,08,000 |
| VPF (10% of basic) | ₹90,000 |
| Your contributions | ₹1,98,000 |
| Above the ₹2,50,000 tax-free limit | ₹0 |
Interest on all of this stays tax free, because your own contributions are inside the ₹2.5 lakh a year limit. Under the new regime VPF saves no tax; it is a savings decision, not a tax one.
Questions
The same rate as EPF, which EPFO declares each year. The calculator starts at 8.25%; change it when a new rate is declared.
Interest on your own EPF and VPF contributions is tax free up to ₹2.5 lakh of contributions a year. Interest on contributions above that is taxable at your slab every year. The calculator shows the highest VPF percentage that stays inside the limit.
No. The new regime has no 80C deduction, so VPF only moves money from your account into PF. Under the old regime it counts toward 80C, but your regular EPF often fills much of the ₹1.5 lakh limit already.