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EPF vs PPF Calculator

Compare PF compounding with disciplined monthly savings assumptions.

Planning assumptions

This EPF page is a planning estimator. You can edit the basic salary ratio, and EPF is calculated as 12% employee + 12% employer on basic salary. Actual payroll structure and statutory treatment may differ by employer policy.

EPF vs PPF Decision Context

This page compares projected accumulation under EPF and PPF assumptions so you can test conservative retirement savings combinations over the same horizon.

Inputs

Advanced options

Outputs

Employee EPF / month₹4,200
Employer EPF / month₹4,200
Total employee deduction / month (EPF + VPF)₹6,200
Retirement contribution / month₹10,400
Projected EPF corpus at retirement₹1,09,15,312
Projected EPF corpus₹1,09,15,312
Projected PPF corpus₹15,81,893
Difference (PPF - EPF)₹-93,33,419

In-hand impact now is represented by employee EPF + VPF monthly deduction.

Open Retirement Planner with Prefill

Assumptions and Formula Notes

This is an estimate tool for planning. Please verify decisions against official EPFO records and professional advice.

What if you diversify?

EPF-only projected corpus: ₹1,09,15,312. For estimated retirement spending of ₹35,000/month, target corpus is around ₹1,47,00,000 (gap: ₹37,84,688).

Balanced Mix (EPF + NPS)

Add ₹3,500/month to NPS

Additional corpus vs EPF-only +₹26,57,791
Projected total corpus ₹1,35,73,103
Try EPF + NPS in Planner

Growth Mix (EPF + Equity SIP)

Add ₹5,600/month to equity SIP

Additional corpus vs EPF-only +₹55,39,830
Projected total corpus ₹1,64,55,142
Try EPF + Equity in Planner

Hybrid Mix (EPF + NPS + Equity)

Add ₹2,100/month NPS and ₹3,360/month equity

Additional corpus vs EPF-only +₹49,18,573
Projected total corpus ₹1,58,33,885
Try Hybrid Mix in Planner

Want to benchmark your salary context too? Check Peer Compare

Related EPF Calculators

EPF Calculator EPF Calculator with Current Balance EPF Interest Calculator EPF Maturity Calculator VPF Calculator (In-Hand Impact) Employer and Employee PF Contribution Calculator

Frequently Asked Questions

How is EPF vs PPF calculated?

The page projects EPF and PPF streams independently using configured contribution and return assumptions.

Can I model only PPF here?

Yes. Set salary-based EPF contribution low and use PPF monthly contribution to isolate PPF behavior.

Are PPF lock-in rules handled here?

No. This wave focuses on corpus projection, not detailed lock-in or withdrawal rules.