VPF Calculator
Enter your extra monthly VPF contribution to see it grow at 8.25%, tax-free.
Runs entirely in your browser — your numbers never leave this page.
How it works
VPF = your EPF account, with extra voluntary contributions:
- Rate: same as EPF — 8.25%, EEE (tax-free in, tax-free growth, tax-free out).
- No employer match on the voluntary portion — only your money, but at the full rate.
- Liquidity: same as EPF — locked till retirement, resignation, or qualifying withdrawals.
- Vs PPF: VPF (8.25%) beats PPF (7.1%) on rate with the same EEE status — if you're salaried with EPF, VPF usually wins.
- The Rs 2.5L rule: interest on employee contributions above Rs 2.5L/year is taxable — needs ~Rs 30L+ annual contribution to trigger.
- How to start: ask HR/payroll to deduct extra VPF — a one-line request in most companies.
Frequently asked questions
What is VPF?
Voluntary Provident Fund — extra employee contributions into your EPF account beyond the mandatory 12%, earning the same 8.25% EEE.
What is the VPF interest rate?
8.25% — same as EPF, revised yearly. EEE tax status.
Does the employer match VPF?
No — the employer's 12% applies only to the mandatory portion. VPF is employee-only.
VPF vs PPF?
VPF (8.25%) beats PPF (7.1%) with the same tax-free status — salaried employees with EPF should prefer VPF.
Is VPF interest taxable?
No, up to Rs 2.5L/year of interest on employee contributions — beyond that it's taxable. Rarely triggered.
Can I withdraw VPF early?
Same rules as EPF — partial withdrawals for defined purposes (home, medical, education) with service conditions.
How do I start VPF?
Request your HR/payroll to deduct an additional fixed amount or % toward VPF — usually a single form.
Is there a maximum VPF?
No fixed maximum — you can contribute up to 100% of basic + DA, but watch the Rs 2.5L interest tax threshold.
VPF vs ELSS?
VPF: guaranteed 8.25% tax-free. ELSS: ~12% expected but market-risky and LTCG-taxed. Different jobs — safety vs growth.
What happens when I change jobs?
Transfer the EPF/VPF balance to the new employer — the corpus and tax-free status continue uninterrupted.