Provident Fund Calculator

How this Provident Fund projection works

Each month, a percentage of your basic salary is deducted as your own contribution, and your employer adds a matching (or separately set) percentage — commonly 10% each, though this varies by employer. Both contributions are pooled into your PF account and credited profit annually at whatever rate your fund's trustees declare for that year.

This calculator compounds your combined monthly contribution at the annual profit rate you enter, year over year, to project your balance at retirement or exit. Since profit rates are set by each employer's PF trust and change from year to year, there's no single "correct" default — check your latest PF statement for the rate actually being credited to your account and use that for an accurate projection.