Calculate Provident Fund maturity amount with EPF & VPF contributions. Free online PF calculator with retirement planning, interest calculation & withdrawal options. The Employees’ Provident Fund ( EPF ) is a government-backed retirement savings scheme for salaried employees in India’s organised private sector. Both the employee and the employer ordinarily contribute 12% of the employee’s Basic + Dearness Allowance (DA) every month. The corpus earns a sovereign-guaranteed interest (8.25% for FY 2024-25) and can be withdrawn tax-free at retirement. Calculate your Employee Provident Fund ( EPF ) returns with our free EPF Calculator . Plan your retirement savings and estimate maturity amount.