Work out provident fund balance instantly with clear inputs, formula shown and shareable results.
Provident fund contributions are a fixed share of basic pay from both employee and employer, credited with interest each year. Because contributions run for decades at a guaranteed rate, interest typically ends up larger than the contributions themselves.
PF accumulation
Balance = contribution × [((1+r)^n - 1)/r] × (1+r)
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
In many schemes part is diverted to a pension component, so the balance-building share is smaller than the headline rate.
Usually exempt within prescribed contribution limits; contributions above the limit can attract tax on the interest.