EPF vs PPF Calculator India — FY 2025-26
Compare EPF (8.25%) and PPF (7.1%) side by side: 25-year corpus growth, employer FREE match (3.67%), Section 9D taxable interest threshold, and the optimal EPF+PPF combo strategy. All amounts in Indian rupees. Updated for FY 2025-26.
How to Use This Calculator
Side by Side tab
Enter your basic salary + DA per month and PPF annual contribution (default: max ₹1,50,000). Set your tenure (how many years you will contribute to both). The calculator projects EPF corpus (employee 12% + employer 3.67%) at the EPF rate of 8.25%, alongside PPF corpus at 7.1%, with a year-by-year comparison table. Use “More options” to adjust salary increment, EPF rate, and PPF rate for sensitivity analysis.
Employer Match Impact tab
See exactly how much FREE money your employer’s 3.67% EPF contribution adds over your career. The calculator shows EPF corpus without employer match (employee 12% only) vs with employer match, quantifying the employer’s compounded contribution. Understand how EPS (8.33% to pension) and EPF (3.67% to corpus) split the employer’s 12%.
EPF + PPF Combo tab
Stack both instruments together. Enter basic salary (for EPF) and PPF contribution. The calculator shows the combined corpus: EPF (employee + employer) + PPF, total self-invested amount, total employer free contribution, and total wealth gain. Understand how the two complement each other — EPF is mandatory with employer match, PPF is voluntary with full EEE and no Section 9D risk.
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The Formulas
EPF uses monthly contributions that compound monthly; PPF uses annual contributions that compound annually. Both are government-backed with EEE tax status.
Employee contribution = 12% of (Basic + DA) per month
Employer EPF contribution = 3.67% of (Basic + DA) per month [goes to corpus]
Employer EPS contribution = 8.33% of min(Basic + DA, ₹15,000) per month [goes to pension]
Total monthly EPF deposit = Employee (12%) + Employer EPF (3.67%)
EPF interest rate = 8.25% p.a. (FY 2025-26, EPFO CBT declared)
EPF corpus = ∑ [Monthly deposit × (1 + 8.25%/12)(remaining months)]
Interest calculated on monthly running balance; credited annually at year-end
PPF (Public Provident Fund) — FY 2025-26:
Annual contribution: min ₹500, max ₹1,50,000
PPF interest rate = 7.1% p.a. (Q1 FY 2025-26, Ministry of Finance)
Interest compounded annually; credited on 31st March each year
Deposits before 5th of month earn interest for that month
PPF corpus = Annual contribution × [(1 + 7.1%)n − 1] / 7.1% × (1 + 7.1%)
(end-of-year deposits, n = tenure in years)
Key rate comparison:
EPF: 8.25% + employer 3.67% free = effective much higher on total invested
PPF: 7.1%, no employer match, no Section 9D risk, full voluntary control
The employer’s 3.67% contribution to EPF is the critical differentiator. It grows at the same 8.25% rate as your own contribution, but costs you nothing — it is your employer’s statutory obligation under the EPF & Miscellaneous Provisions Act 1952.
Example
Rahul — IT employee, ₹50,000 basic+DA, 25 years, FY 2025-26
Rahul joins a company at age 30 with ₹50,000/month basic+DA. He gets 5% annual increments and plans to stay for 25 years. He also contributes the maximum ₹1,50,000/year to PPF.
Step 1: Monthly contributions (Year 1 at ₹50,000 basic)
Note: For basic salary above ₹15,000, employer’s EPS contribution is capped at ₹1,250/month. The remaining employer contribution (12% − EPS capped portion) goes to EPF — this is why employer EPF is ₹4,750 rather than the commonly cited 3.67% flat rate.
Step 2: EPF corpus after 25 years at 8.25%
Step 3: PPF corpus after 25 years at 7.1%
Step 4: Combo total
Key insight: EPF wins vs PPF primarily because of the employer’s free contribution (which exceeds 3.67% when your basic is above ₹15,000) and the higher interest rate (8.25% vs 7.1%). EPF contributions also grow each year with your salary. PPF is the perfect complement: voluntary, no employer needed, full EEE, loan from year 3, early access from year 7. Together: ₹2.76 Cr over 25 years with zero tax.