Question 1

What EPF interest rate is used?

Accepted Answer

This calculator uses 8.25% annual EPF interest, compounded monthly for estimation. Actual credited interest can vary by year.

Question 2

Why is employer contribution shown as 3.67%?

Accepted Answer

Out of the employer's 12% contribution, 8.33% generally goes toward EPS subject to rules, while 3.67% goes to EPF.

Question 3

Does the EPF calculator include VPF?

Accepted Answer

No. This version estimates regular EPF contributions only. VPF can be modeled by increasing the employee contribution logic in a future version.

Question 4

Is EPF corpus tax-free?

Accepted Answer

EPF tax treatment depends on withdrawal timing, contribution limits, and current tax rules. This calculator estimates corpus growth, not tax liability.